Direct answer
Yes, standard homeowners insurance policies typically cover water damage caused by a burst pipe, provided the incident is sudden and accidental rather than the result of long-term neglect or lack of maintenance.
Standard HO-3 homeowners insurance policy forms provided by state-regulated insurance departments. For additional information about how property coverage is structured, see the National Association of Insurance Commissioners‘ consumer guide on homeowners insurance.
What this means for you
Yes, standard homeowners insurance policies typically cover water damage caused by a burst pipe, provided the incident is sudden and accidental rather than the result of long-term neglect or lack of maintenance.
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