Does Homeowners Insurance Cover Plumbing Issues? Does a Home Warranty?
Plumbing issues can arise unexpectedly and, if the damage is severe enough, the repair bill can be a blow to the unprepared budget. The good news is that homeowners insurance - or even the home warranty - might cover the cost of the repairs and replacements. Common problems that result in severe damage include burst pipes, unknown leaks, water damage, and sewer backups. This article explains the difference between homeowners insurance and a home warranty, and answers two very important questions: “Does homeowners insurance cover plumbing?” and “Does a home warranty cover plumbing?”
Home Insurance vs. Home Warranty
While homeowners insurance and home warranties both provide financial protection, they cover different types of issues. Homeowners insurance protects against significant, unexpected damage, whereas a home warranty offers protection against the failure of home systems and appliances due to everyday use. Understanding this distinction can help you decide which coverage best suits your needs.
Does Home Insurance Cover Plumbing Repairs and Damage?
Yes, homeowners insurance can cover the sudden and accidental plumbing issues that cause damage, such as a burst pipe or an unexpected leak. However, the best answer to the question “Does house insurance cover plumbing?” can be found in the specifics of your policy, so dig that out to double-check the details or contact the insurer directly for clarification.
Does A Home Warranty Cover Plumbing Issues?
More good news here: most home warranties include coverage for plumbing systems, which is beneficial for wear and tear issues like clogged drains, rusting pipes, and water heater repairs. However, coverage specifics can vary, so it's crucial to read the warranty terms carefully.
Need Plumbing Repairs? Contact Southern Plumbing Works
If you have minor or major plumbing issues, whether covered by insurance or not, contact the pros at Southern Plumbing Works. As a licensed, insured, and highly-rated plumber in Nashville, TN, we provide reliable plumbing services with transparent pricing. Let us handle your plumbing problems with expertise and care. Contact us today or schedule an appointment online.