Direct answer
Yes, standard homeowners insurance policies typically cover water damage caused by sudden and accidental burst pipes. However, it generally does not cover damage resulting from lack of maintenance or long-term neglect, such as a pipe that has been leaking slowly for weeks.
Standard HO-3 policy language regarding sudden and accidental discharge of water. For additional information about standard policy coverages, see the Insurance Information Institute.
What this means for you
Yes, standard homeowners insurance policies typically cover water damage caused by sudden and accidental burst pipes. However, it generally does not cover damage resulting from lack of maintenance or long-term neglect, such as a pipe that has been leaking slowly for weeks.
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