Does My Home Insurance Cover A Broken Pipe?

Yes, your home insurance does cover the damage that is caused by a broken pipe. This is a common loss in the winter months in the state of Minnesota when pipes freeze. Minnesota Home Insurance will cover damages caused by most water losses. Your home insurance policy will provide coverage for the damage from a broken pipe up to the Dwelling Coverage policy limit on your home.  This is also referred to as Coverage “A” on your home insurance policy. If your home is insured for $300,000, than you have $300,000 coverage from a water loss.

Flowing water from a broken pipe will damage the flooring, walls, and personal property.  It is so important when there is water damage that the water be dried and cleaned up as soon as possible. This will help prevent further damage and mold. Mold can cause a so many other problems. I’d strongly recommend using a professional service for this water damage cleanup. Professionals have the proper equipment to dry out the carpeting, sheetrock, personal property. They can also test for moisture levels and help prevent mold from growing.

I would also recommend the optional water back up coverage offered by your insurance company. When we offer a home insurance quote, we start with a minimum of $10,000 of coverage for water/sewer backup. This provides coverage when your drain backs up from sewage, tree root in the main water line or any other clog that causes water to backup in your home.  This coverage will help covered the costs of repairing damaged flooring, sheetrock and the dry out.

Some water damage is not covered are losses resulting from flood, water seeping through your foundation, damage that occurs over a long period of time, such as a slow drip.

To review your policy please reach out to the Learn More button below. For a free insurance quote on your Minnesota Home Insurance Policy, you can fill out the quick contact form listed below.   

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