13 answers · verified 2026
What does homeowners insurance cover?
Roofs, water, mold, and the perils in between.
Usually covered
Usually not covered
Every question, answered
Does homeowners insurance cover plumbing?It dependsDoes homeowners insurance cover termite damage?Usually noDoes homeowners insurance cover roof replacement?It dependsDoes homeowners insurance cover AC units?It dependsDoes homeowners insurance cover roof leaks?It dependsDoes homeowners insurance cover water damage?It dependsDoes homeowners insurance cover mold?Usually noDoes homeowners insurance cover foundation repair?It dependsDoes homeowners insurance cover tree removal after a storm?It dependsDoes homeowners insurance cover sewer backup?Usually noDoes homeowners insurance cover dog bites?It dependsDoes homeowners insurance cover burst pipes?Usually yesDoes homeowners insurance cover flooding?Usually no