Will Homeowners Insurance Cover Plumbing? 
Your homeowners policy covers damages to your residence from either a list of named perils or is an all-risk policy covering all risks except those that are excluded . Once plumbing is underground the possibility of suffering damage by an insured peril is remote . Ground movement and water damage would be the two most likely causes of loss and they are excluded from the normal homeowners policy . Fair wear and tear is never covered . If the house burns and the plumbing is destroyed above ground , that would be covered . 