Does car insurance cover water leaks?

Auto insurance covers water leaks only if the leak occurs after a no-fault accident. Liability, collision, and comprehensive coverage provide coverage for water leaks in specific situations. You can get comprehensive coverage for at least $154/yr. Shop around and compare multiple companies to get car insurance coverage for water leaks.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 21, 2022

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The Highlights

  • Car insurance companies won’t cover water leaks from wear and tear
  • Your collision and comprehensive coverage will only cover water leaks under specific conditions
  • Comprehensive car insurance rates can be as low as $154/yr

Water can invade the inside of your car if an accident damages its structure. But what about normal wear and tear? Or has an accident caused water to leak into your car?

Does auto insurance cover water leaks? Read through our guide to learn how car insurance companies cover water leaks and sunroof leaks. Also, you’ll have an opportunity to compare car insurance from the top companies in your city.

Before you learn about how car insurance covers water leaks, enter your ZIP code in the free comparison tool above to compare insurance quotes from the best companies in your area.

Does car insurance cover water leaks?

It depends on how the water leak began. Car insurance companies encourage customers to make a car insurance claim for water leaks after their vehicle has been in an accident.

Water leaks caused by accidents can be covered by liability, collision, comprehensive, and uninsured motorist coverage. However, these coverage options only cover water leaks in specific situations.

Take a look at this list of examples showing how water leaks are covered by auto insurance.

  • Liability – The at-fault driver’s liability car insurance covers damage that causes water leaks when you’re not at fault in an accident
  • Collision – Collision car insurance covers damage to your vehicle after an accident regardless of who was at fault
  • Comprehensive – Comprehensive car insurance pays for damage caused by incidents that don’t involve a collision, such as vandalism, falling objects, and even flooding
  • Uninsured motorist – Uninsured motorist coverage pays for damage if your vehicle is an accident with an uninsured driver or if it is stolen and damaged

When you’re at fault in an accident, liability, comprehensive, and uninsured motorist insurance won’t cover the cost of repairs. This includes water leaks.

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Are water leaks covered by car warranty?

The answer is yes. If you have a water leak in your vehicle, take your car back to the dealer and let them know.

The great thing about car warranties is that you can use them to get repairs on defective components on a vehicle.

Newer vehicles tend to come with a three-year car warranty (about 36,000 miles). However, used cars have limited warranties, so it may be challenging to get a repair done after the warranty expires.

How to Get Insurance to Pay for Water Damage

Your auto insurance company will only pay for a water leak if you’ve been in an accident that caused it. Car insurance companies do not fix water leaks from aging or negligence.

On average, comprehensive car insurance costs $154 per year.

It’s strongly recommended that you get collision and comprehensive coverage on your auto insurance policy. These two coverage options ensure that you’ve covered your bases.

Next, you should file a claim with your car insurance company and let them know water is leaking into your car due to an accident.

Once your claim has been accepted and processed, your car insurance company will cut you a check for the damages.

Can a leaking windshield be covered by car insurance?

Yes, it can. Some states have mandated that drivers can get a windshield replacement for free. Here’s a list of states with free windshield replacement:

  • Arizona
  • Florida
  • Kentucky
  • Massachusetts
  • New York
  • South Carolina

There will likely be a cost in other states, though some don’t require you to pay your deductible. Check your state laws to see how windshield replacement law affects your car insurance policy.

Does car insurance cover sunroof leaks?

Sunroofs are known for their convenience, but they have a reputation for malfunctioning. Most accidents don’t occur on top of the car, but sunroofs may be damaged by falling objects, such as hail, tree branches, or road debris.

Comprehensive coverage is the best insurance coverage for sunroofs. Another driver’s liability coverage can pay for your sunroof if it’s damaged in an accident, but buy comprehensive car insurance to protect your sunroof from other types of damages.

What do I do if I don’t have the right car insurance coverage for water leaks?

First, don’t panic. Prepare yourself for out-of-pocket expenses. You may have to take off work to get a few estimates on water leak repairs.

If you’re skilled with auto repairs, you can always try a do-it-yourself (D.I.Y.) method. You can save hundreds of dollars, but you’ll take a considerable risk. Choose wisely.

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Car Insurance Covers Water Leaks: What’s the bottom line?

Car insurance companies only provide coverage for water leaks in certain situations, such as a no-fault accident. Adding collision insurance gives you more protection, as you’ll be covered even if you’re at fault.

Meanwhile, comprehensive coverage pays for accidents that occur when you’re not driving. Don’t count on car insurance companies covering water leaks that occur due to wear and tear, though.

Now that you know how car insurance covers water leaks, use our free online quote tool below to compare affordable auto insurance quotes from multiple companies near you.

Frequently Asked Questions: Does car insurance cover water leaks?

Do you want to know a little more? Before you go, check out some answers to frequently asked questions.

#1 – Is heavy rain and flooding covered by comprehensive car insurance?

The short answer is yes. Flooding and damage from heavy rain are incidents you can’t control. Some auto insurance companies provide flood insurance for additional coverage.

#2 – Will water damage be covered by car insurance if the windows are left open?

No. Even if it’s an honest mistake, car insurance companies won’t provide coverage for leaving your windows open.

#3 – What causes water to leak in your car?

The seals around windows, doors, and sunroofs can corrode over time. Water penetrates at a much faster rate as seals get weaker.

#4 – How does the level of water damage affect the claim?

When there are six inches of water in your vehicle, it’s considered flooded. Your adjuster may ask you how much water got into the car, and your answer can determine the amount of your claim check.

#5 – What can water damage do to a vehicle?

According to the Centers for Disease Control (CDC) , water damage can increase the risk of chemical hazards and mold. It can saturate the cushions and fabric in your car to produce mildew, which is hazardous to your lungs.

#6 – Can your car be totaled from water damage?

Yes and no. Sometimes insurance won’t total flooded cars because they’ve determined that the car can still be driven. Car flood damage insurance claims may pay for other components, but you’ll have to ask the auto insurance company what they’ll cover.

Does car insurance cover water leaks? The Bottom Line

Water damage can ruin the interior of your vehicle, as well as its mechanical and electrical components. It is only covered if you have comprehensive coverage, which is available as an add-on policy. Even with comprehensive coverage, it may only cover certain situations that lead to water damage. Certain situations can increase your risk, making it important to determine if you need water coverage.

Whether your car insurance covers water damage will depend on your insurance plan. This may vary, and it is possible that the comprehensive package may not be included in yours.

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