Whenever there is a break in and water main or
I live in Southern California, the water company is responsible for the water pipe that comes from the street until it reaches the water meter (usually near the curb in front of your house). The part of the pipe that goes from the water meter to your house and all the pipes inside your house are your responsibility.
Does homeowners insurance cover water line breaks? Most homeowners insurance policies will not cover water line breaks unless a line has undergone sudden, significant damage. For example, if you dig in your yard and accidentally damage the water line running from your meter, repairs and cleanup may be covered.
Open Faucets: - After shutting off the main valve, open faucets throughout the house to relieve pressure and allow any remaining water to drain. Call a Plumber: - If you cannot locate the valve or if the damage is extensive, it's advisable to call a professional plumber for assistance. Check for Additional Shut-Offs:
If these are damaged or break, the homeowner might be responsible for the repair. A standard homeowners policy does not cover the service lines running into the home—unless you've added service line coverage.
Typically, a basic homeowners insurance policy will cover plumbing if the damage is sudden and accidental, rather than gradual. “Sudden and accidental” is a phrase that most insurance carriers use to determine which plumbing claims are covered and which are not.
Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance. If the water comes from outside your home, it will not be covered by your standard policy.
With the Water Line Protection Plan, you're covered
Complete repair or replacement of your broken Water Service Line, in accordance with your plan limits. Emergency support available 24/7 through our Safety Valve Repair Line. Guaranteed expert emergency repairs by a locally licensed and insured service contractor.
While some plumbing issues are easy to deal with as a DIY project, like a leaky faucet or running toilet, water supply line repairs are more complicated and can cause severe, costly damage if you make a mistake. We strongly recommend contacting a professional for water pipe repair or replacement.
In general, replacing a brake line costs around $150 to $300 per hose. Your vehicle has four hoses, although they don't always need to be replaced at the same time. Learn more about brake line replacement costs, brake line repair kits and when you might need new brake lines.
Breaks to the main water line are more common than one might think, with an estimated 240,000 happening every year in the United States.
Water Service Line Repair: $865
California's average repair price is about 17% lower than the nation's.
If no other damage has happened, call a plumbing professional to come out and repair the problem. Just make sure to describe the situation thoroughly so the plumber arrives prepared. But if that little leak turns into a home makeover, it's time to contact a water damage restoration company.
If you detect a leak anywhere in your yard, it's usually your responsibility to have the issue taken care of. That means calling a plumbing expert to get the job done.
Overall, it is best to make sure to call insurance, right after you call the emergency plumber, when dealing with water damage in the home. Acting swiftly to maintain your home and minimize water damage will ensure your claim is best supported.
Reasons for denial can range from the nature of the damage itself—such as gradual damage that occurred over time—to issues with how the claim was filed, including missed deadlines or insufficient documentation. Furthermore, unreported property modifications can also lead to complications during the claims process.
If your slab cracks due to a covered hazard, like a pipe burst, homeowners insurance will likely cover the cost of tearing out and pouring new slab, but pipe repairs will likely not be covered. Slab and plumbing issues resulting from age or normal wear and tear are not covered by home insurance.
Source of damage
If the source of the damage comes from inside your home, such as a water leak from plumbing , a broken pipe or overflowing appliance, you'll likely be covered by your homeowners insurance.
Average Flat Rate
Some plumbing jobs are billed at a flat rate. As of 2025, the average plumber rates for larger repairs are typically between $500 to $800, while smaller jobs like repairing toilets, sinks, faucets, or bathtubs typically range from $125 to $350.
Homeowners insurance generally provides coverage for sudden, accidental plumbing issues. These include common issues like burst pipes, failed water heaters or a compromised washing machine hose. If the leak was sudden and unexpected, appliance leaks are typically covered by homeowners insurance.
Simply put, if a waterline breaks outside of your property line, it's the utility company's responsibility to repair the damage. However, if a waterline breaks inside your home or within the boundaries of your property – even on your lawn – it becomes your responsibility.
When a broken water line occurs, you should always call a trusted plumber who can quickly and efficiently address the problem. Lack of water in your home is a major issue, so you'll need to communicate to your plumber that you have an emergency situation.