Homeowners insurance covers foundation repair only from a sudden covered peril, like a burst pipe under the slab. Cracks from settling, soil movement, or age are excluded.
By the Home & Dime Editorial Team · Last updated 2026
Covered
- A plumbing pipe under the foundation bursts.
- An explosion or fallen tree.
Not covered
- Settling and hairline cracks.
- Soil movement and drainage.
- Earthquakes.
Frequently asked questions
Are foundation cracks covered?
Only if a covered peril caused them.
What about a slab leak?
The water damage may be covered; the foundation fix often isn’t.
The bottom line
Only sudden covered-peril foundation damage qualifies — settling and soil are excluded.
Related guides
- What Is NOT Covered by Homeowners Insurance?
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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