Is Plumbing Covered By Homeowners Insurance? 
Plumbing is not covered by homeowners insurance . The damage that is caused by water through and accidental circumstance is covered . Ebbing and Flowing water that comes from the outside into the house is not covered by homeowners so you need a flood policy to remedy damage . On the plumbing part of the question think of it this way if an insurance company can not see the pipes how can they insure it from the beginning . They have no idea what lies beneath and are not going to take on that risk . 