Does my insurance cover plumbing leaks?

Standard homeowner's insurance covers sudden, accidental plumbing leaks that cause damage to your home. This includes burst pipes, failed supply lines, and overflowing appliances. However, gradual leaks resulting from poor maintenance, corrosion, or worn seals are typically not covered. Most policies also exclude damage from leaks that have been ongoing for an extended period. The cost to repair the leak itself, such as fixing the broken pipe, is usually not covered, only the damage the water caused. Regular plumbing maintenance prevents most coverage disputes.