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Home Insurance Escape of Water Coverage Guide
Review how buildings and contents policies commonly address internal plumbing leaks and the resulting damage before your home insurance renewal.
Compare your renewal or set a reminder.
What escape of water usually means
Escape of water generally refers to accidental leakage from fixed domestic water installations, heating systems or household appliances. Policy wording determines the covered causes, limits, excesses and exclusions.
\nWhy trace and access matters
Trace and access refers to locating the source of a hidden leak. Check whether your policy includes this cost, what financial limit applies and whether an excess is payable.
Frequently asked questions
Is escape of water the same as flood damage?
No. Escape of water usually starts inside the property from plumbing or heating, while flood damage generally refers to external water entering the property.
\nCan unoccupied properties have water exclusions?
Yes. Policies can contain special conditions or exclusions for properties left unoccupied, so always check the wording and notify the insurer where required.