Water damage is one of the most common — and expensive — homeowners insurance claims.A leaky ceiling, a flooded basement, or even a malfunctioning appliance can leave behind thousands of dollars in repairs.Beyond the financial hit, dealing with cleanup and restoration adds stress that most families would rather avoid.That leads to a key question: Does homeowners insurance cover water damage? The answer isn’t always straightforward.

Coverage depends on the source of the water and whether the damage happens suddenly and accidentally, or results from long-term maintenance issues.Here’s what every homeowner should know.When Water Damage is Typically CoveredHomeowners insurance usually covers sudden and accidental events — those you couldn’t reasonably prevent.Examples include:In these situations, your policy pays for repairs and helps restore your home to its previous condition.When Water Damage Is Not CoveredUnfortunately, not every type of water damage qualifies for coverage.

Common exclusions include:You need to understand what your policy excludes just as much as what it covers.This helps you prepare for risks your standard policy will not address.How to Protect Your Home from Water DamageEven with insurance, preventing damage is always the better option.A few proactive steps can make a big difference:Taking preventative measures and maintaining your home can impact insurance costs.

Learn more about the factors that affect insurance rates here.How an Independent Agent Can HelpBecause policies vary, answering the question “Does homeowners insurance cover water damage?” often requires a closer look at your specific coverage.Independent insurance agents can compare multiple carriers, explain policy details, and recommend add-ons that fit your situation.If you’re uncertain whether your current policy protects you from the most likely water damage scenarios, an independent agent is your best resource.