While Green Valley, AZ doesn’t experience the same level of cold as other parts of the country, there are nights where temperatures can dip below freezing, potentially causing pipes to freeze. At the Insurance Center of Green Valley, we are here to answer all of your home insurance questions. One question we often encounter is whether home insurance covers frozen pipes. Here’s the answer.

Does Home Insurance Cover Frozen Pipes?

Yes, most home insurance policies do cover damage caused by frozen pipes. If a pipe in your house freezes and then bursts, the subsequent water damage is usually covered by your insurance. If your carpet, walls, or furniture get soaked, your insurance can help pay for the repairs. However, it’s important to note that while the damage is covered, fixing or replacing the pipe might not be. The insurance might only cover the damage the water causes, not the pipe.

Preventing Frozen Pipes

To ensure you’re protected, it’s a good idea to take steps to prevent your pipes from freezing in the first place. You can insulate your pipes, especially those in unheated areas like basements or attics. Also, keep your home warm enough during the winter, even if you’re not there. If you go away, ask a neighbor to check on your house or leave a little bit of water running to keep the pipes from freezing. Checking your insurance policy to understand what it covers can also be really helpful.

Home insurance usually covers frozen pipes, but having the right policy is key. When you need a new home insurance policy, contact us at Insurance Center of Green Valley, serving the greater Green Valley, AZ, area.