Direct Line Home Insurance will pay up to £5,000 for Trace and Access cover. This includes removing and replacing any part of the building in order to find the source of water escaping from tanks, pipes, appliances or fixed heating systems that are causing damage to the building. Cover increases to £10,000 for Home Insurance Plus, and to £15,000 for Select Premier customers. What's not covered is repairing or replacing the tanks, pipes or heating systems themselves.