Direct answer
Yes, standard homeowners insurance policies typically cover water damage caused by a burst pipe if the event was sudden and accidental rather than the result of long-term neglect or lack of maintenance.
Standard HO-3 homeowners insurance policy forms provided by national insurance regulatory organizations. For additional information about typical policy coverages, see the Insurance Information Institute.
What this means for you
Yes, standard homeowners insurance policies typically cover water damage caused by a burst pipe if the event was sudden and accidental rather than the result of long-term neglect or lack of maintenance.
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