Does Homeowners Insurance Cover Water Damage From Toilet? 
Not all home owners policies are created equally ! The cause of loss determines if the damage will be covered by the insurance company . Most home owners policies cover a broad range of covered losses . However , some policies only cover `` named perils '' , like fire , wind or hail . Let 's assume you had the broad range . The cause of loss would be next . If the cause was a slow leaking overtime caused by not fixing a leaky pipe then insurance is not designed to cover that . But , if it was a sudden accidental -LRB- not if you took a baseball bat to it in anger -RRB- breaking of the toilet , it would cover the damage in this case . Usually , the damages in the sudden breakage are severe enough that you would not want to self-insure and fix it yourself . Recently , we had a client have a broken toilet causing water damage . It started out as ~ $ 1000 , but as the plumber got into the repairs & replacing the toilet , the water damage had found under the tile , which turned into about $ 8000 . So , we went from not filing to filing a claim . Check with your agent regarding filingthe claim ! 