Whether your insurance policy covers burst pipes depends on if you have an HO-2 policy or HO-3 policy. An HO-2 policy is simple insurance coverage that generally covers more types of damages, including burst pipes.
Conversely, an HO-3 policy is mostly referred to as an exclusion type of coverage. It typically covers everything except things named in the exclusion list. This list includes water damage caused by flooding, water seeping from the foundation, and others.
Also, the company may deny your claim if they eventually find out you are somehow responsible for the burst pipes. Furthermore, your claim may be denied if the burst is caused by a faulty appliance.