Does homeowners insurance cover damage from burst pipes?

I had some pipes burst in my house due to a frigid few days of cold. Will my homeowners insurance cover water damage from burst pipes?

“Most insurance policies will cover you from water damage due to burst pipes in your home. This will typically cover required repairs.
However, there are instances when your insurance may not cover this damage, like if you went out of town, turned your heat off, and the pipes burst as a result of your own negligence.
Additionally, water damage is a common exclusion on homeowners policies. While you may get your pipes repaired, the replacement or repair of anything damaged by the water is up to you.
If you file a claim for the burst pipes, your rates will likely go up, just the same as they would if you filed a claim with your car insurance.
Should your rate increase, use Jerry. Jerry gathers the best-priced quotes from the 50 top insurance companies to help you save money.”
Eric Schad
Answered on Aug 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free