Does Homeowners Insurance Cover Water Damage In Bathroom? 
It depends upon the source of the water damage , the type of policy you have and whether the house is abandoned . To make this answer easier , lets assume that you have a Homeowners 3 policy and the house is either occupied or vacant -LRB- some furniture and presence -RRB- . Water damage from a burst pipe : typically your homeowners insurance will water damage from a burst pipe , however it will not cover the damaged pipe . You can get an endorsement to cover the damaged pipes . Water damage from rain/hail/wind : this will only be covered on a basic homeowners policy if the rain/hail caused the hole in the roof that lead to the water damage in your bathroom . Once again , you can get an endorsement to cover rain/hail/wind damage . Water damage from sewer backup or sump-pump failure : if the bathroom is in the basement and the water damage if from sewer backup or sump-pump failure you can only get coverage for this IF you have the appropriate endorsement - sewer and water backup . Please note that this is typically a sub-limit in your policy and goes towards both cleanup and replacement . I hope this helps . 