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It just depends on what level of coverage you bought when you purchased your policy.

It would also depend on the reason it's leaking, Homeowners insurance provides coverage for accidental losses due to the specified perils listed on your policy such as Fire, Wind, Hail etc. If your tank is just leaking because it's old or defective then that would not be covered.

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Q: Does home owner insurance cover leak in your underground oil tank or is home owner responsible?
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