When insuring your Wellington home, you might be surprised to learn that the type of plumbing running through your walls can significantly impact your homeowners insurance quote. Water damage claims are a major concern for insurers, and the material of your home’s plumbing system plays a key role in determining risk and premiums.
What type of plumbing does your Wellington home have?
Many homeowners aren’t immediately aware of the plumbing materials in their homes, but it’s essential to know, especially if your property is older.
- Copper: Long considered the industry standard, copper pipes are durable and corrosion-resistant, often lasting 50 years or more. Homes with well-maintained copper plumbing are generally seen as lower-risk by insurance and reinsurance providers, though pinhole leaks can develop over time, particularly in areas with hard water.
- PVC (Polyvinyl Chloride): Lightweight, cost-effective, and corrosion-resistant, PVC is mainly used for drain, waste, and vent (DWV) systems and cold water lines. Correctly installed PVC is low-risk for insurers, though it’s not typically used for hot water supply.
- PEX (Cross-linked Polyethylene): Flexible and resistant to corrosion, freezing, and scale buildup, PEX is popular in modern construction. Its flexibility reduces joints and potential leaks. However, some insurers may not accept PEX installed before 2010.
- Galvanized Steel: Common in pre-1960s homes, galvanized steel pipes are coated with zinc. Over time, the coating degrades, leading to corrosion, rust buildup, reduced water pressure, and leaks. Insurers may require re-piping before offering coverage due to the higher risk of water damage.
- Polybutylene (PB): Used from the late 1970s to mid-1990s, PB pipes degrade with exposure to chlorine, becoming brittle and prone to sudden leaks. Homes with polybutylene plumbing are considered high-risk, and most insurers will require complete replacement or impose strict coverage limitations.
If you recently purchased your Wellington home, your inspection report should detail your plumbing type and condition. For older homes, a four-point inspection, often required by insurers, can clarify the plumbing materials. If unsure, it’s wise to schedule a licensed professional to inspect your system.
Get the best Wellington home insurance quotes
Plumbing type is just one of many factors insurers consider when binding a policy. At Home Insurance Wellington, once you know your plumbing type, we can help you find the most competitive home insurance quotes for your property. Our experienced team ensures your Wellington home is protected with coverage tailored to your needs.
Contact Home Insurance Wellington
About Home Insurance Wellington
At Home Insurance Wellington, we specialize in helping Wellington homeowners protect their properties cost-effectively all year round. With personalized advice and tailored coverage options, our experienced agents find the best insurance solutions to safeguard your home against unexpected risks. Reach out today to get started.
