Am I covered if I have water damage to my home?
Whether or not you are covered in the event of water damage depends on your specific homeowners policy and where the water comes from.
Water backup coverage is made available when there is water damage to the home due to a backup or failure of drains or pipes within the home. It is a coverage that can be added to a homeowners policy. Flood insurance is protection against damage to the home caused by water from outside of the home. Flood insurance usually needs to be purchased through a state or government entity.