Does Homeowners Insurance Cover It?
When something breaks in your home, the first question is usually “does my insurance cover this?” These guides explain what's typically covered and what isn't... so you know before you need to make the call.
Does Homeowners Insurance Cover a Burst Pipe?
Yes, homeowners insurance typically covers damage caused by a burst pipe... but with an important distinction. The water damage to your home (floors, ...
Does Homeowners Insurance Cover Sewer Line Replacement?
Usually not. Standard homeowners insurance does not cover sewer line repair or replacement due to normal wear, aging, tree root intrusion, or deterior...
Does Homeowners Insurance Cover Plumbing Repairs?
It depends on what happened and why. Homeowners insurance covers water damage from sudden, accidental plumbing failures (a pipe bursts, a supply line ...
Does Homeowners Insurance Cover Electrical Repairs?
Generally no. Homeowners insurance does not cover electrical repairs or upgrades needed because of aging, outdated, or worn-out wiring and panels. The...
Does Homeowners Insurance Cover Appliance Repair?
No, homeowners insurance does not cover appliance repair or replacement when appliances break down from normal use, aging, or mechanical failure. Appl...
Does Homeowners Insurance Cover Furnace Replacement?
Almost never. Homeowners insurance does not cover furnace repair or replacement due to normal wear, aging, or mechanical failure. Furnaces are conside...
Does Homeowners Insurance Cover AC Repair or Replacement?
Almost never. Homeowners insurance does not cover AC repair or replacement when it breaks down from normal wear, age, or mechanical failure. Air condi...
Does Homeowners Insurance Cover Water Heater Replacement?
The water heater itself... almost never. Homeowners insurance does not cover water heater repair or replacement from normal aging or mechanical failur...
Does Homeowners Insurance Cover Septic System Repair?
Almost never. Standard homeowners insurance does not cover septic system repair, replacement, or pumping. Septic systems are considered home maintenan...
Does Homeowners Insurance Cover Garage Door Replacement?
It depends on what caused the damage. If a storm, fire, vehicle, fallen tree, or act of vandalism damages your garage door, homeowners insurance typic...
Does Homeowners Insurance Cover Roof Replacement?
It depends on what caused the damage. Homeowners insurance covers roof damage from storms, hail, wind, fire, falling trees, and other sudden events. I...
Does Homeowners Insurance Cover Water Damage?
It depends entirely on the source of the water and how suddenly it happened. Homeowners insurance covers water damage from sudden, accidental internal...
Does Homeowners Insurance Cover Mold Removal?
Sometimes, but with significant limits. Homeowners insurance may cover mold removal if the mold was caused by a "covered peril"... meaning a sudden, a...
Does Homeowners Insurance Cover Foundation Repair?
Rarely. Standard homeowners insurance almost never covers foundation repair. Foundation problems are usually caused by soil settling, earth movement, ...
Does Homeowners Insurance Cover Tree Removal?
It depends on what the tree hit and why it fell. If a tree falls on your house, garage, fence, or other covered structure, the tree removal AND the st...
Does Homeowners Insurance Cover Wind Damage?
Yes, wind damage is covered by standard homeowners insurance. It's one of the most common claims. Wind that damages your roof, siding, windows, fence,...
Does Homeowners Insurance Cover Termite Damage?
No. Homeowners insurance does not cover termite damage or treatment. This is one of the clearest and most consistent exclusions across the entire insu...
What Is NOT Covered by Homeowners Insurance?
Homeowners insurance covers sudden, accidental events (fires, storms, burst pipes, theft). It does NOT cover maintenance, gradual damage, floods, eart...
Home Warranty vs Homeowners Insurance: What's the Difference?
They cover completely different things. Homeowners insurance protects against sudden, accidental events (fire, storms, theft, burst pipes, liability)....