Does Home Insurance Cover Drainage? 
Home insurance covers damages . An all risk homeowners policy covers many perils , however it specifically excludes some . Among these exclusions in most policies is earth movement and intrusion of water from outside the residence . Homeowners insurance does not cover wear and tear to any component of the house , including the drainage . For example , if a drainage pipe were damaged in a fire , it would be covered . If the same pipe failed , it probably would not be covered . Incidentally the damage caused by the failed drainage pipe might be covered . 