Water damage is a common headache for homeowners and one of the leading causes of property loss. Here’s a breakdown of water damage and property loss claims in the U.S.
Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about oureditorial standards
and how we make money.
As of 2019, "water damage and freezing" is the second most common category of home insurance claim, according to the Insurance Services Office (ISO). Water damage related claims have seen an uptick over the years, for several reasons, like aging homes with plumbing issues  and an increase in coastal flooding  .
Homeowners insurance usually covers water damage from broken or frozen pipes, but won’t cover damage caused by flooding. Here’s a rundown of home insurance water damage statistics and considerations.
1 in 50: Estimated amount of insured homes that claimed a water damage or freezing loss each year from 2015 to 2019 
29.4%: Percentage of total losses attributed to water damage and freezing in 2019 
$11,098: The average cost of a water damage or freezing claim from 2015 to 2019 
43%: Percentage of people who incorrectly believe home insurance covers flood damage
1.9%: Percentage of insured homes that experienced a water damage loss from 2015 to 2019 
53%: Percentage of non-weather water damage claims related to plumbing issues 
Ready to shop home insurance?
Below are instances of water damage that are covered by homeowners insurance:
Burst, broken, or leaking pipe or plumbing
Weather-related damage, like rain, snow or ice
Frozen pipes or plumbing
Types of sudden and accidental water damage, like if your washing machine leaks
Homeowners insurance doesn’t cover every type of water damage. Below are examples of when home insurance wouldn’t cover a water damage loss.
Water damage from an earthquake or earth movement
Sump pump backup
Sewage or drain backup
Water damage that occurs over time, like if a pipe was leaking for months