Homeowners Insurance Policy: Are Water Damages Covered?

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As a homeowner, your worries do not end upon signing the contract to the house nor paying for it fully. In fact, a home purchase can even be the cause of most of your worries since there are just so many factors to consider. These include the homeowners insurance policy you need to protect your house and yourself should an unfortunate event occur and damage your property.

Those who are not well informed on insurance policies may have the notion that water damages incurred due to flooding or any weather disturbance are covered since they happened to the house. But the truth is, they are not. This is quite unfortunate, especially for homeowners who are hoping to replace their furniture or repair their porch in West Jordan, for example, after these were destroyed by the floods.

It should be noted that there are other kinds of insurance policies that may cover those damages, but not the homeowner type in case of flooding. So, if you have just purchased a home, you may be wondering what kinds of water damages the homeowners insurance policy covers. Here are some:

Dwelling Insurance

The dwelling insurance, or dwelling coverage, is part of the insurance policy that helps pay for the repairs of any damage incurred by the home from a covered peril. This is often accidental, such as a fire or water damage caused by sudden pipe bursts.

Personal Property Insurance

While it does not cover flood damage to personal properties, the personal property insurance is similar to the dwelling insurance in that it helps pay for any personal belongings should they be damaged by a covered risk. It has same scope as the previous insurance: anything accidental ranging from fire to water damage caused by bursting pipes.

Meanwhile, the following are the ones that are not covered by homeowners insurance policy:

Unresolved Maintenance Issues


Your homeowners insurance will most likely cover the cost of repairing a damaged floor. However, say, your dishwasher suddenly malfunctions, it will probably be not covered. That is particularly true if the damage is a result of an unresolved plumbing maintenance issue.

Restoration to Proper Order of the Source of Water Damage

Most homeowners insurance policies also do not cover the source of the water damage. But they do cover the cost of tearing out and repairing permanent fixtures, such as walls or floors. It should be noted that appliances like dishwashers and washing machines are not covered by this insurance.


Flooding can occur from different sources, such as storms, overflowing bodies of water like lakes and ponds, and over-saturated ground. It is important to remember that flood damages incurred, regardless of the water source, are never covered by the ordinary homeowners policies. It is possible, however, to purchase a separate flood insurance policy if your home is located in an area prone to suffering floods.

Home maintenance is an essential part of preventing water damage to property, but it is still wise for any homeowner to regularly check with their agent regarding the insurance policies they have paid. This way, you will be knowledgeable about what is covered and what is not by your home insurance policy.


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