A standard homeowners insurance policy<\/strong> includes two major sections – Property Coverage and Liability Coverage.<\/p>\n

The property side pays to repair physical damage to your dwelling and belongings from specified causes of loss like fires or storms. The liability component covers injuries occurring on your property you’re legally responsible for.<\/p>\n

So direct physical destruction to home components falls under property coverage analysis. At a high level, common homeowners insurance policies group water dangers impacting structures into a few distinct sources:<\/p>\n

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• Storm Damage<\/li>\n
• Burst Pipes<\/li>\n
• Appliance Leaks\/Failures<\/li>\n<\/ul>\n

  The level of protection provided by your insurer often varies based on the exact water origin details and characteristics.<\/p>\n

  Let\u2019s breakdown how water claims are handled under each category.<\/p>