Home and condo insurance typically covers floors and carpet if the damage was caused by a covered peril. Scratches, dents, spills, and other mishaps may not be covered.
2 min to readExplore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
Dwelling coverage, on your condo or homeowners policy, may pay to repair or replace your floors and carpet if they're damaged by a covered peril. For instance, if your home's floors are damaged in a fire, your home insurance may pay for new flooring, up to your policy's limits and minus your deductible.
Your insurance company may not pay to clean the carpet or replace the floor if someone spills a drink, knocks over a can of paint, or your toddler decides your floor is the perfect canvas for permanent markers.
If you drop an object that scratches, dents, or cracks the floor, your insurance company may not pay for the damage.
Homeowners insurance generally covers water damage that's sudden and accidental. For example, if a pipe bursts or a washing machine overflows and damages your floor, you may be covered. But if the water comes from flooding, standard homeowners insurance typically won't cover it.
Seepage that occurs over a period of time may result in mold, which generally won't be covered by your homeowners policy. However, some states require your insurer to provide coverage if the damage from seepage is completely hidden and therefore unknown to the homeowner, such as a pipe inside a shower wall.
Renters insurance won't cover the physical structure of the apartment, condo, or house you're renting. Your landlord's policy may cover damage to the floors or carpet from a covered peril.
Homeowners and condo insurance typically won't cover property damage your pets cause. So, if your new puppy uses your carpet as a chew toy or he likes the sound of his nails scratching the hardwood floors, your policy won't pay to fix the damage.
Renters insurance typically won't cover damage to the floor of your rental from pets. However, for damages exceeding the amount of your security deposit, liability coverage on your renters policy may pay for damages caused by your pet.
Quote homeowners insurance online or call for advice
Learn more about home insurance policies.
Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
THE #1 INSURANCE WEBSITE
Copyright 1995 - 2024. Progressive Casualty Insurance Company. All Rights Reserved.
We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.
Δ Discount varies and is not available in all states or situations.
Insurance carrier website ranking by Keynova Group – Q4 2023 Online Insurance Scorecard.
Progressive Home ® policies are placed through Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for policies sold. Prices, coverages and privacy policies vary among these insurers, who may share information about you with us. PAA's compensation from these insurers may vary between the insurers and based on the policy you buy, sales volume and/or profitability of policies sold. See a list of all the insurers that write Progressive Home policies, or contact us for more details.
