Does Home Insurance Cover Water From Washing Machine?

Discovering a broken washing machine hose can be a homeowner’s nightmare, potentially leading to water damage that might seem overwhelming. The good news? Your home insurance policy does cover this water damage. Typically, your home insurance will cover the damage up to the coverage “A” amount. This means that if your home insured for $300,000, than you have $300,000 to replace this damage.

Understanding Coverage

Home insurance policies typically consist of several types of coverage, relevant to different scenarios. In the case of a broken washing machine hose:

  • Dwelling Coverage: This is your policy’s backbone, covering the structure of your home. If the water damage affects the walls, floors, or any part of your home’s structure. Typically the home insurance policy will cover 100% of coverage “A”. This means that if your home is insured for $300,000, than you will have $300,000 to cover this water damage.
  • Personal Property Coverage: Water from a broken hose can damage more than just your home’s structure—it can affect your belongings, too. Personal property coverage can help replace items damaged by the water leak.
  • Additional Living Expenses (ALE): Should the damage be severe enough to require temporary relocation, ALE can cover the cost of a hotel stay, meals, and more.

However, it’s crucial to note that coverage hinges on the nature of the incident. Insurers generally cover sudden and accidental damage but not wear and tear. Regular maintenance is a homeowner’s responsibility, and a failure to replace an old, worn-out hose might not be covered.

Leveraging Remediation Services

After a water damage incident, it’s very important to act quickly to mitigate further damage. Remediation services specialize in water damage restoration, offering services like water extraction, drying, dehumidifying, and mold prevention. Engaging these professionals promptly can be vital in preventing further damage. If the damage is too extensive for you to dry out yourself, you will want to call a mitigation company as soon as possible.


A broken washing machine hose can cause significant damage to your home, but understanding your home insurance coverage can provide peace of mind. It’s a reminder of the importance of regular maintenance and the value of insurance in protecting our homes. Always review your policy and discuss with your agent to ensure you have the coverage you need for such incidents.

At Ameriguard Insurance, we understand the depths of home insurance and are dedicated to guiding our clients through these unexpected events with professionalism and warmth.

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