Are Gas Lines Covered by Home Insurance | In-Depth Guide

Are gas lines covered by home insurance? Your gas line care is homeowner insurance’s responsibility, like your electrical system. Most policies also cover events from leaks and other related situations. But every homeowner’s insurance policy works differently. So, you must read your policy to make sure you understand everything it says.

Gas lines are not always part of the insurance’s coverage. So, you might need this type of insurance (gas) to pay for fixing the line. Depending on your policy and what caused the damage, your home insurance may cover gas lines.

If a covered peril damages your gas lines, your homeowner’s insurance should pay to fix or replace them. But if something else caused the leak, you probably wouldn’t be covered. You won’t be covered if:

  • It is an old system
  • You didn’t take care of your gas lines
  • Regular wear and tear
  • Bad repair work

You should also ensure that your home insurance policy covers your lines. Different companies have different coverages and exclusions, which means that one policy covers what another might not cover.

Do Standard Home Insurance Policies cover Gas Leaks?

Are Gas Lines Covered by Home Insurance

That’s not easy. It’s hard to say. Yes, sometimes. Most homeowner’s insurance policies cover damage caused by explosions. However, other things won’t be covered, like if this leak is caused by an old appliance and doesn’t lead to a disaster.

When and how does homeowners’ insurance pay for gas leaks?

This insurance will pay if there are explosions by leaks. In addition, covers a leak caused by a disaster (like a blizzard, lightning or hails) that damages the system or its gas line and causes a leak. 

What the policy doesn’t cover:

  • The gas leak is due to an old leak.
  • A slow, steady gas leak can damage appliances or other home fixtures.
  • The gas leak starts with a bad connection in a bad connection appliance.
  • The gas starts because of natural damages that weren’t on the insurance policy (e.g., floods).

Are gas leaks covered under homeowner’s insurance policies?

Are Gas Lines Covered by Home Insurance

If something covered by your policy causes a gas leak or if it causes an explosion, you will have to pay your policy’s deductible. That means that you must pay if it is more than the limit for that type of coverage. Your homeowner’s insurance policy will have different limits on how much it will cover. 

If an explosion occurs, you should have bought more insurance to cover all your policy cannot cover. If your house blows up, it may affect your neighborhood. In that case, there are details you should know.

You will have liability coverage ($300,000). If your house explodes and damages a neighbor’s house, you will be responsible and could receive sues. You might need umbrella coverage to pay for more legal fees than your homeowners’ policy covers.

If homeowners insurance doesn’t cover gas leaks, what will?

There may be an extended warranty for these leaks. They don’t cover all leaks, but you will probably get your money back for fixing or replacing them if it appears with poor installation. Once a professional installs a gas appliance, it is your job to keep it in good shape so that it can avoid a disaster happening in the future.

Homes with gas lines

Many people have switched to natural gas for different power parts of their homes because it is more efficient and has a more negligible effect on the environment. Many appliances can work with natural gas, such as ovens, stoves, and heaters. 

This resource (gas) has some bad things about it, though. Even though this gas works better than oil (even with coal), it is more likely to start fires or explode because it is volatile.

A pipe in the ground and a gas line to the appliances bring natural gas into the house. Taking care of these lines in your house is one of the hardest things for natural gas people. If this breaks, it can bring several damages to both property and people’s lives.

Getting to Know Safety Risks

When this kind of line breaks and damages, it poses a severe safety risk that needs to be fixed right away. If you don’t fix the gas leak, it can cause trouble if it catches on fire.

If you think there’s a gas leak, you should leave right away and call the gas company right away so they can shut off your gas supply as soon as possible.

Just call a repair shop to deal with the broken line. Even if it is an expensive repair, your insurance company will avoid paying for damage or leaks in your gas line. Also, most insurance companies may charge a premium plan if you heat your home because natural gas is unstable.

What causes a gas line to leak?

Are Gas Lines Covered by Home Insurance

Gas lines can be there for decades without you noticing them, and they don’t always need significant repairs. 

Because of this, gas lines are improbable to leak or break suddenly. Still, even though gas lines rarely break on their own, there are many ways to damage them. If you take a look into your yard and make a hole may break that gas line. 

Damage Done by Someone Else

If a contractor makes a mistake and damages your lines, your insurance might pay for this fix. Still, it’s best better to check with your insurance because each has several coverages. If another company breaks the line, they are almost certainly the ones who will fix it.

Yard Gas Line Problems

Many homeowners don’t know which parts they are responsible for and which are the utility company’s jobs. So, the best you can do is think of a boundary line as any line. This starts from the edge of your property, like a sidewalk (or fence).

So, you will have to pay for any damage to gas lines in your backyard. Your utility company will be in charge of any lines that are not on your property.

You ensure that your gas lines are always safe so they don’t break or leak outside your home. For example, before you dig a hole in your garden, check the whole area to ensure that tree roots aren’t causing dangers to the line.

To sum up, your homeowner’s insurance may not cover damage to your gas line. Your duty and responsibility are to check your lines often. Then, work with your utility company to keep your home and neighborhood safe.


Lastly, some home utility companies or home warranty companies offer insurance for gas lines that cover repairs and replacements if something like this happens.

Utility line insurance, which some companies sell, is one of the best ways to ensure enough coverage. Therefore, this insurance covers the lines that bring gas, water, and sewer pipes into your home.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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