Household contents insurance covers damage to personal belongings caused by leaks from external pipes, including those connected to heating systems, air conditioners, and water beds. Damage from internal pipes or building components typically falls under building insurance. Damage from water use or blocked drains is not covered by contents insurance.
What water damage does household contents insurance cover?
Household contents insurance covers damage to your personal belongings caused by water leaks from external pipes. This includes leaks from pipes connected to heating systems, air conditioners, aquariums, swimming pools, water beds, and water extinguishing or sprinkling systems.
What is the difference between external and internal pipes?
External pipes are visible pipes, not hidden behind walls or panels, such as radiator pipes, pipes under kitchen sinks, and pipes connecting washing machines or toilets to the main source. Internal pipes are pipes hidden under floors, inside walls, or behind panels, such as plumbing to bathtubs and showers.
Does household contents insurance cover water damage from internal pipes?
No, water damage caused by leaks from internal pipes or damage to fixed building components is usually covered by building insurance, not household contents insurance.
What types of water leaks are covered by household contents insurance?
Only leaks defined as water that improperly flows out of water supply pipes or connected equipment are covered. Damage caused by water use, such as water splashing from a bathtub or an overflowing tap, is not covered.
How is damage to floors covered when I install the floor myself?
Damage to floors considered part of the first habitable floor is covered by building insurance regardless of who installed it. However, if you install flooring over an existing floor, damage to that added flooring can be covered by household contents insurance.
What types of water damage are not covered by household contents insurance? Water damage not covered includes:
Overflowing or leaking taps
Damage caused by water use, such as splashes from a bathtub
Damage to building structures
Blocked drains
Damage from operating sprinkler systems due to fire
Who is responsible for building insurance in rented or owned apartments?
If you rent, building insurance is normally included in your rent's ancillary costs, and your landlord is responsible for claims. If you own your apartment, it is advisable to have building insurance, and mortgage lenders may require it.