Direct answer
Yes, standard homeowners insurance typically covers water damage from a burst pipe, provided the incident was sudden and accidental rather than the result of long-term neglect or lack of maintenance.
Standard homeowners insurance policy language regarding ‘sudden and accidental’ peril coverage. For additional information about the types of perils typically covered by standard policies, see the Insurance Information Institute‘s guide to homeowners insurance.
What this means for you
Yes, standard homeowners insurance typically covers water damage from a burst pipe, provided the incident was sudden and accidental rather than the result of long-term neglect or lack of maintenance.
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