Does Home Insurance Cover Plumbing? 
If the damage is the result of neglect there isnt any coverage . If the damage is caused by a backup of water through the sewer system , damage is excluded unless that coverage is purchased as an option . If the cause is freezing the policy will cover not damages ifthe property is unoccupied . Claims involving continuous and repeated seepage or leakage are also excluded by the policy . Damage caused by freezing is also excluded . 