Happy Drains Blog

Are your pipes and drains Insured?

When shopping around for your home insurance it can feel like a minefield. There are so many things to consider, and one of those things is your plumbing and drains.

There are two types of home insurance – buildings insurance and contents insurance. In order for your pipework to be covered, you will want to research building insurance, which covers the structure of your home, and any permanent fixtures, such as bathrooms and kitchens.

It should also insure your home in case of fire, storm damage, flood damage, subsidence, burst pipes, theft and falling trees. Policies can be different depending on which provider you choose, so make sure you read all the details on exactly what is covered, and under what circumstances.

What your home insurance probably does not include is any sort of emergency that needs fixing immediately. When it comes to your pipes, an emergency situation is highly likely, in which case you might want to consider adding a ‘home emergency cover’. The most cost-effective way to have this is to bolt it onto your current home insurance policy. This will mean you will be covered for any emergencies and any immediate assistance required.

This can provide you with peace of mind, not only for you but also your pipes, as the ‘home emergency cover’ will typically include the cost of any emergency call-outs and the immediate repair work of the following issues:

  • Breakdown of your home’s heating, hot water system, and water supply
  • Sudden failure of toilet and sewage systems
  • Damage to your home’s plumbing and drainage systems which causes water damage; this might be from leaking pipes and radiators, blocked drains and water tanks


Most policies will guarantee availability of workmen which means the issue will be fixed as fast as possible, so it might be worth you exploring home emergency cover further.

Finally, please remember that not all policies are the same, so you need to be 100% clear on what is included and what is excluded before purchasing any cover.

For more information about drain problems and insurance cover, check out our FAQ page which has lots of helpful information on how the insurance process works when booking a service with us.