Does AAA Homeowners Insurance Cover Water Damage? 
Insurance covers specified perils . Water damage is the result of an event . Everything depends upon what caused the water damage . If the damage is caused by the sudden rupture of water pipes inside the home , the damage is covered by most homeowners policies . If the damage is caused by the overflow of a toilet , the loss would be excluded by most homeowners policies . Incidentally , many insurance companies will provide coverage for the overflowing of a toilet if an extension to coverage is purchased at an increased premium . If the loss is caused by water enter the house from outside it is most likely not going to be covered . Flood insurance , an additional insurance policy is required to cover this type of loss . While it is true that flood damage is not always clear cut , it is important to note that almost one quarter of all property claims involve flood damage in the United States . The purchase of a flood policy is a wise move regardless of where you are located . I have seen desert towns inundated as well as mountain communities . In some places flooding is common . 