Is Water Heater Damage Covered By Homeowners Insurance? 
Some water damage is covered , while others are not . If the water damage is the result of a burst water pipe in your house then the policy will probably cover repairs . If the source of the water is outside your home , as in a flood , coverage is excluded unless you have a flood policy . If the source of water is a back-up in the sewer it can be covered in your homeowners policy if you purchase the appropriate additional coverage . 