Homeowners

Does homeowners insurance cover water damage from a burst pipe versus a flood?

Homeowners insurance (HO-3) generally covers sudden and accidental internal water damage -- a burst pipe, appliance overflow, or accidental discharge from plumbing. It does not cover gradual water damage from leaks you knew about and did not fix, or any water entering from outside the home. Flood damage always requires a separate flood insurance policy through NFIP or a private flood carrier. Sewer backup is typically excluded from a standard HO-3 but may be added by endorsement.

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Does homeowners insurance cover water damage from a burst pipe versus a flood?

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