Yes, in general, a standard homeowners insurance policy provides coverage for sudden and accidental damage that originates from within your home. However, it's important to note that you may not be covered if the water damage is a result of external flooding or neglecting necessary repairs. However, if you live in a flood-prone area, you may consider purchasing a separate flood insurance policy through the National Flood Insurance Program.
Furthermore, some policies may not automatically cover sewer and drain backups. However, you have the option to purchase a separate sewer backup rider, which can be added to your homeowners or renters' coverage to provide protection against such incidents.