Most insurance policies will not cover damage that occurs as a result of falling through the ice. This is because it is generally considered to be a preventable incident. However, there are some exceptions to this rule. For example, if you were to fall through the ice while attempting to rescue someone else, your policy might provide coverage for any injuries that you sustained. Additionally, if the ice was hidden from view and you had no way of knowing that it was there, your insurer may provide coverage for any resulting damages.