Does Home Insurance Cover Repiping? What You Need to Know About Home Insurance Coverage

Repiping is the process of replacing all the pipes in your home’s plumbing system with new ones, usually made of more durable materials.

Repiping can improve your water quality, pressure, and flow, as well as prevent leaks, corrosion, and damage to your home.

However, repiping can also be a costly and disruptive project that can take several days to complete.

a house being repiped
Repiping | PHEND

You might wonder if your home insurance policy will cover the expenses of repiping your home.

In this article, we will answer this question and explain the factors that affect your coverage.

What Is Home Insurance and What Does It Cover?

Home insurance is a type of property insurance that protects your home and its contents from various risks, such as fire, theft, vandalism, storm, flood, earthquake, and more.

Home insurance typically consists of four main components:

1.Dwelling coverage

This covers the cost of repairing or rebuilding your home’s structure and attached fixtures, such as walls, floors, roofs, cabinets, plumbing, wiring, etc.

2.Personal property coverage

This covers the cost of replacing or repairing your personal belongings inside your home, such as furniture, appliances, electronics, clothing, jewelry, etc.

3.Liability coverage

This covers the legal expenses and damages if you or a member of your household are sued for causing bodily injury or property damage to someone else.

4.Additional living expenses coverage: This covers the extra costs of living elsewhere while your home is being repaired or rebuilt after a covered loss, such as hotel bills, food, transportation, etc.

The amount of coverage you have for each component depends on the limits and deductibles you choose when you buy your policy.

A limit is the maximum amount your insurer will pay for a covered claim.

A deductible is the amount you have to pay out of pocket before your insurer pays the rest.

Why Do You Need Repiping and How Much Does It Cost?

Repiping is usually necessary when your plumbing system is old, damaged, or defective. Some signs that indicate you need repiping are:

1.Frequent leaks or bursts in your pipes
2.Low water pressure or flow
3.Rusty or discolored water

4. Bad taste or smell in your water
5.Noisy pipes
6.High water bills

Repiping can prevent further damage to your home and improve your health and comfort.

However, repiping can also be expensive and vary depending on several factors, such as:

1.The size and layout of your home
2.The number and type of fixtures and appliances connected to your plumbing system
3.The type and quality of materials used for repiping
4.The accessibility and condition of your existing pipes
5.The labor and permits required for repiping

According to some estimates, repiping an average-sized house can cost anywhere from $4,000 to $10,000 or more.

Does Home Insurance Cover Repiping?

The short answer is no Home insurance does not cover repiping because it is considered a preventive measure.

Home insurance only covers sudden and accidental damage to your plumbing system caused by a covered peril.

For example, if a fire damages your pipes, your dwelling coverage will pay for the repairs.

However, if your pipes are corroded or worn out due to age or neglect, your home insurance will not pay for repiping.

There are some exceptions where home insurance might cover some or all of the costs of repiping. For instance:

1.If a covered peril damages part of your plumbing system and requires repiping as part of the restoration process.

For example, if a storm causes a tree to fall on your house and damage some of your pipes, your dwelling coverage will pay for repiping the affected area.

2.If you have an endorsement or rider that specifically covers repiping.

An endorsement or rider is an optional add-on that modifies or enhances your standard policy.

You might be able to purchase an endorsement that covers repiping due to normal wear and tear or deterioration.

However, this might increase your premium and have certain limitations and exclusions.

How Can You Save Money on Repiping?

If you need repiping but cannot rely on your home insurance to cover it, there are some ways you can save money on this project:

1.Compare quotes from different plumbers and choose the one that offers the best value for money
2.Ask for discounts or financing options from your plumber
3.Choose the most suitable materials for repiping based on your budget and needs
4.Repipe in sections instead of doing the whole house at once

5.Maintain and inspect your plumbing system regularly to prevent major problems


Repiping is a major home improvement project that can benefit your plumbing system in many ways.

However, it is also a costly and disruptive project that is not covered by your home insurance policy.

Therefore, you should plan ahead and budget accordingly for repiping your home.

You should also review your home insurance policy and understand what it covers and what it does not.

If you have any questions or concerns about your home insurance or repiping, you should consult a licensed agent or a professional plumber.


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