Your Guide to Liberty Mutual Water Damage Coverage

Does a surprise leak or burst pipe have you worried? Liberty Mutual might be able to help! Let’s explore what their insurance covers and what to do if water damage strikes your home.

Does Liberty Mutual Cover Water Damage?

The short answer is: it depends. Standard Liberty Mutual policies typically cover sudden and accidental water damage. Think burst pipes, overflowing appliances, or roof leaks caused by a storm. However, gradual leaks or poor maintenance issues generally aren’t covered.

Water Backup Coverage

For an extra layer of security, consider adding Water Backup Coverage to your policy. This covers things like sewage backups or sump pump failures that can cause major flooding. It’s important to note that Water Backup Coverage is separate from flood insurance, which is typically a whole other policy.

What to Do in Case of Water Damage

Here’s how to take action if your home takes on water:

  1. Stop the source! Turn off the water supply if possible, or call a plumber to fix the leak.
  2. Minimize the damage. Move furniture and belongings away from the water. Soak up any standing water with towels.
  3. Take photos and videos. Document the damage for your insurance claim.
  4. Call a professional. Water mitigation companies can help dry out your home and prevent mold growth.

How to File a Claim

Once you’ve taken care of the immediate issue, contact Liberty Mutual. You can file a claim online or by phone. They can answer any questions you have about coverage and help you through the claims process.


Water damage can be stressful, but Liberty Mutual can help you get back on your feet. Understanding your coverage and acting quickly can make a big difference. For more information, visit the Liberty Mutual website or call them directly.


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