Does Home Insurance Cover A Toilet Leak? 
No . Home Insurance is not intended to cover a toilet leak . Typically the cost to repair such a leak is minor and Insurers expect the insured to take care of that on their own . Youcan get a warranty policy to cover major systems in the home . Home owners insurance covers areas like vandalism , fire , storm damage etc and tends to focus more on the structure of the home than the minor repairs that result from normal wear and tear . Plus most home owner polices have a deductible that must be paid before claims are paid . If the repair is less than the deductible it makes more financial sense to just fix it . 