Does home insurance count as a utility bill?
No , Insurance is to cover the unknown, sudden loss , it will not cover regularUtility Bills , or repair to things because of age or neglect. So if the plumbing leaks over time, and then suddenly you find a burst on your ceiling that damages the room below. Your damage to the floor and water damage to the room below will most likely be covered, however the leak, and the plumbing that caused the loss will not be covered if it was just wear and tear over time.