Are You Covered for Water Damage?

Talk to Your Safeco Agent About Water Damage. Make Sure You Have the Right Amount of Coverage.

While there are many ways to try to prevent water damage from happening in your home, occasionally some water damage may still occur.

Are You Covered?

It's best to know what your insurance policy covers before you need it. Your local Safeco agent can help you understand what type of water damage is covered by your homeowners insurance policy and when you’re on your own to pay for repairs. Your agent is trained to explain your coverage in plain language. They can also help you decide if you need additional flood insurance.

Homeowners Insurance vs. Flood Insurance

There are two types of policies that cover losses due to water damage—homeowners insurance and flood insurance. These provide two separate and distinct types of coverage. They do not duplicate coverage, but complement it.

Most homeowner policies cover damage to your home caused by a sudden and accidental water event, like a burst pipe, wind-driven rain or melting snow that seeps into your home after a winter storm.

Water damage caused by poor home maintenance such as overfilled gutters, lack of roof upkeep, condensation buildup due to inadequate ventilation or ignored leaks is generally not covered.

Flood damage to your home and belongings is also not covered under your homeowner policy, but it could be with a separate flood insurance policy. Information about the National Flood Insurance Program is available from your local Safeco agent or your local office of the Federal Emergency Management Agency.

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© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.