Will Home Insurance Cover Leaking Pipes? 
Typically no . How water damage coverage works is your walls , floors , ceiling and personal property will be covered by leaking pipes . This means if a pipe bursts your everything else except the pipes will be covered . Now there are a couple of exceptions to this , one if your home is vacant for 90 days or more ; or if you do n't heat your home properly and the pipes freeze . I said typically because you can always buy back the coverage , meaning you can spend a little extra money to make pipes a covered item in your policy . However , this is usually not a great concern for people because there is coverage to replace everything else , and tear apart and the area where the leak occurred . You are just left with the bill for the pipes and replacing them . Hope this helps . 