Does Homeowners Insurance Cover Sprinkler Systems?

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  • Post last modified:December 26, 2022
  • Reading time:4 mins read

Most homeowners are aware of the importance of having a reliable homeowners insurance policy. We all know that it can be a lifesaver in case of an unforeseen accident or damage.

But, what about your sprinkler system? Does homeowners insurance cover damages due to a malfunctioning or clogged sprinkler system? It’s a question we hear often, and the answer is not so straightforward.

Let’s take a look at what you need to know about sprinkler systems and your homeowner’s insurance.

Sprinkler System Coverage by Policy Type

The answer to whether or not homeowners insurance covers sprinkler systems largely depends on the type of coverage you select for your policy.

Most basic homeowners policies do not include liability coverage for damages due to a malfunctioning or clogged sprinkler system, but those with additional coverage may be protected under specific conditions.

If you do have additional coverage, there may be exclusions depending on the age of the sprinklers and other variables like climate and soil conditions in your area.

It is always best to contact your insurance provider directly to see what is covered under your personal policy in order to avoid any potential headaches down the road.

It’s also important to note that while most policies do not cover damage due to rust, corrosion, or wear and tear, they may cover damage caused by external forces such as lightning strikes, falling trees, vandalism, theft, etc.

So if your sprinklers are damaged by such outside forces then it’s possible that you could get reimbursed by your insurer. However, it is important to read through all the fine print in order to understand exactly what kind of damage will be covered under which circumstances.

In addition to considering liability coverage for damages caused by a malfunctioning or clogged sprinkler system, it’s important to remember that if you live in an area where freezing temperatures occur during winter months then you’ll want to make sure that your pipes are adequately insulated so that they don’t freeze and burst when cold weather strikes!

Frozen pipes can cause significant water damage which may not be covered under most standard policies so it pays off (literally) to pay attention and prepare ahead of time!


At the end of the day, knowing whether or not homeowners insurance covers damages caused by a malfunctioning or clogged sprinkler system largely comes down to reading through all the details included in your particular policy type – as well as preparing ahead of time for potential disasters like frozen pipes during winter months!

It is always best practice to stay informed and up-to-date on what kind of protection is offered under each individual policy before signing anything – that way you won’t find yourself dealing with unexpected surprises down the road!

Ultimately though – it pays off (literally!) to invest in adequate coverage for peace of mind no matter what happens with our homes!