Does standard homeowners insurance cover water main break?

Does standard homeowners insurance cover water main break?

Excluded In Standard Coverage

Information Guide

Property Insurance

Alice Yao | Updated August 7th, 2020

According to the United States Environmental Protection Agency, there are approximately 240,000 water main breaks every year in the United States.*

Many of the water mains in older neighborhoods were installed more than 50 years ago, and some were more than a century ago. In most of these water mains, materials used in the construction are likely near the end of their effective life and highly susceptible to breakage.

In this article, we will go over these following topics:

Water main access cap

Is water main break a covered peril in homeowners insurance?

When it comes to water-related damages in your home, the cause of the damages is essential in determining insurance coverage. 

Most standard homeowners insurance provides coverage for sudden and accidental damages for water that originated from within your dwelling, such as pipe bursts in the kitchen or toilet overflows.

There is also the optional water backup coverage that covers water damage originated from sewer line and sump pump failures. If the sewer line backs up and causes sudden water discharge inside your home, the water backup coverage would cover the damage.

In the case of a water main break, the source originates from the municipal water supply system that is on public land and shared by everyone in your neighborhood. Water main is considered an external source to homeowners property, and therefore homeowners insurance will not cover water damage as result of a water main break.

Does flood insurance cover water main breaks?

Flood insurance covers water damage originated from external sources to homeowners’ properties, such as Mother Nature, neighbor's above-ground swimming pool, and in this case, water main breaks. 

If you live in an older neighborhood that could possibly have an aging water main, it may be a good idea to look into adding flood insurance to your insurance portfolio.

Many situations are unique and every insurance company has its own guidelines. We always recommend reaching out to your insurance agent for a comprehensive review of your coverages to ensure you are properly and adequately covered.


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