Most policies cover water damage, one thing to note is most only cover sudden escape of water, if you have a slow leak over time most companies will not cover, also if you have a tank blow (happened to me once) they will cover damage caused but not the item that caused the damage ( unless someone or something accidentally hits the tank and causes the leak, then you can argue replacement on the tank as well, pray it never happens, salt water causes more damage than you think.
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