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Sometimes, your insurance policy may cover leaking toilet repair. However, home insurance policies typically do not cover any plumbing problems. They do cover water damage caused by a busted pipe or a major leak. Some insurance companies also have riders that expand your initial coverage to include plumbing items. Talk to your agent for more information.

Ensuring your toilet will fit starts with measuring the rough-in, but there are a few other factors to consider. The toilet tank's height and the toilet's depth should fit comfortably within the bathroom’s current setup. When considering depth, look at the walking space around the toilet to ensure it fits in the bathroom.

The lifespan of a toilet can vary significantly. While the porcelain body itself can last up to 50 years or more with proper care, most plumbers suggest an average functional lifespan of 10 to 25 years, and many homeowners replace their toilets after about 20 years.

A toilet's longevity is influenced by factors like maintenance quality, hard water buildup, and damage to the finish. It's also important to note that internal components have much shorter lifespans than the bowl; for example, flappers may last only a few years, while fill valves can last around 10 years.

Even if an older toilet is still functional, consider upgrading to a high-efficiency model to save on water costs.

In most cases, it’s better to repair a toilet than to replace it. Fixing issues like low water levels, running water, and flushing problems is less expensive than buying a new unit. Start thinking about replacement if the toilet is cracked, using excessive amounts of water, or is over 15 years old. Newer models are more water-efficient and clog less often than older models.