Does Homeowners Insurance Cover Water Damage From Toilet? 
Great question ! The short answer is that it should , assuming that the damage was n't caused by some form of negligence . The thing to consider though , is this - how much was the estimate for the repair of the damages ? Would it be less than the cost you will incur if / when your premiums increase after filing a claim for that damage ? For example - the estimate to repair is $ 200 . You file a claim , and the company pays it , and then increases your premiums by $ 30 , let 's say . Your cost for insurance that year now is increased by $ 360 -LRB- 30x12 = 360 -RRB- . It cost you $ 160 to get your $ 200 work done for you . It is the same situation with auto insurance and accident claims . Be careful , and contact your agent , or other homeowners , and get an idea of what the rate increases are . You may even find that they have a `` forgiveness '' type of clause where it wo n't raise the rate . Hope that helps ! Thanks for asking ! 