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Will Your Homeowners Insurance Cover Washing Machines?

Last updated October 25, 2026

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The short answer

What Washing Machine Damage Is Covered

Homeowners insurance usually pays for water damage that is sudden and accidental, such as a supply hose bursting while you are at work or an overflow from a faulty valve. The resulting damage to floors, walls, and personal belongings is generally covered, minus your deductible. This is considered a covered peril in many standard policies.

However, damage from gradual problems, like a slow leak that rots the subfloor over months, is often excluded. Insurance companies expect you to maintain your appliances and catch small issues early. If the machine itself fails due to age or poor installation, the appliance may not be covered, even if the water damage to your home is.

When Your Policy May Not Help

If your washing machine is old, rusted, or has a worn-out seal that drips for weeks, your claim could be denied. Many policies have a 'wear and tear' exclusion that applies to gradual damage. Also, if the machine was installed incorrectly, such as with loose fittings, the insurer may argue it was a maintenance issue, not a covered event.

Flooding from outside, like a storm surge or rising creek, is not covered by standard homeowners insurance. That requires separate flood insurance. If your washing machine overflows because of a power surge or a clogged drain, check your policy's fine print; some causes are excluded, while others are covered.

  • Sudden burst hose from normal use
  • Overflow due to a faulty water level switch
  • Water damage from a cracked supply line
  • Leak from a loose connection during installation
  • Damage from a power surge that causes a malfunction
  • Gradual seepage from a worn gasket

How to Document Your Claim

If you discover water damage, act quickly to limit the spread. Turn off the water supply to the washer, unplug the machine, and remove wet items from the area. Take photos of the machine, the water line, and any damaged surfaces before you start cleaning. This evidence helps your insurance company understand what happened.

Keep the washing machine in place until an adjuster can inspect it, if possible. Save receipts for any temporary repairs, like a new hose or a dehumidifier rental. A detailed record of the incident, including the date and time, strengthens your claim. Your insurance company will guide you on the next steps.

What to Do After the Water Is Gone

Once the immediate leak is stopped, dry out the area thoroughly to prevent mold growth. Use fans, open windows, and a dehumidifier if you have one. Remove wet carpet, padding, and drywall if they are saturated, as these materials can harbor mold within 24 to 48 hours. Wear gloves and a mask if you handle debris.

For significant water damage, local water damage pros can extract standing water and dry structures with industrial equipment. They also inspect for hidden moisture in walls and under flooring. If you live in Frisco, keep your shutoff valve location written down so you can act fast in an emergency. Water damage inspection services can map the extent of the problem.

  • Turn off the water supply valve
  • Unplug the washing machine
  • Mop up standing water with towels
  • Use a wet/dry vacuum for puddles
  • Set up fans to circulate air
  • Remove wet rugs and furniture

Preventing Future Washing Machine Leaks

Replace rubber supply hoses every five years, as they can weaken and crack. Use steel-braided hoses for extra durability. Check the connections annually for drips or corrosion. Install a water leak detector near the machine that sounds an alarm when moisture is present. This simple step can save you from a major cleanup.

Keep the area around the washer clear so you can see the floor. If you notice a small puddle after a cycle, investigate immediately. Tighten loose fittings or call a plumber for help. Regular maintenance, like cleaning the lint filter and inspecting the drain hose, reduces the risk of overflow. A little attention goes a long way.

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Frequently asked questions

Does insurance cover a new washing machine if the old one leaks?

Typically, no. Homeowners insurance covers damage to your home and belongings, but not the appliance itself if it fails due to age or wear. If a sudden event, like a power surge, damages the machine, you may have coverage, but check your policy.

What if the leak is from a supply hose that bursts?

A sudden burst hose is usually covered as a water damage event. The cost to repair your floors, drywall, and personal items is typically included, minus your deductible. The hose itself may not be covered, as it is a part of the appliance.

Should I file a claim for a small leak?

Consider your deductible first. If the repair cost is close to or below your deductible, filing a claim may not be worth it, as it could raise your premiums. For minor leaks, pay out of pocket and fix the issue to prevent future damage.

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