Simply Explaining Insurance #58 - Water Main Break

I have had clients call me and ask if there is coverage on their homeowner policy if the water line going INTO their house springs a leak. Unfortunatly, the answer is almost always no. Your homeowners policy will cover damage done by water, from a sudden and unexpected release of water from a closed water system.

It doesn’t cover the land around the house, the cost of excavation or the cost to replace the water service line. BUT!!! There is coverage available through other sources. I received a letter in the mail recently from the company that provides water to my house and they offer a product through a company called HomeServe.

One of the coverages they offer is for Water Service Line Disruption. This coverage will set me back $42 a year and will cover the cost to excavate down to the water line, fix and repair the pipe.