Does Homeowners Insurance Cover Toilet Overflow? 
Yes , in most instances the ensuing damages would be covered by a standard homeowners policy . Most homeowner policies are considered ` all risk ' meaning that if the loss is not specifically excluded under the policy and it is sudden and accidental in nature , it shall be covered . If there was a problem with the toilet and it malfunctioned causing the water damage , the toilet itself would not be covered but all ensuing water damage should be covered under the policy . 