[Joe Wicked]

Patrick,
I have Allstate as well. I know that on my policy that I am not covered for water damage unless the damage is a result of another covered claim. If a tree fell and hit the house, breaking a water line, then it would be covered. If a car hit the house and broke a water line, it would be covered. In the case of the tank, I would have to double check, but it would only be covered if it was caused by another covered item. If I wanted to, I could add additional coverage to include the water damage with everything else, but the cost increase would add up to the cost of the average repair for a sink leak within about 2 1/2 years. Being a new house, I opted to not get the coverage as I am betting that it will cost me less over time to have to fix it myself.