Will Homeowners Insurance Cover Frozen Pipes? 
Homeowners insurance claim coverage is dependent on cause loss and if the policy covers that cause of loss . Not all homeowners insurance are created equal . Some cover fire only , while other cover broader perils of coverage -LRB- like wind , hail , falling objects , weight of snow , etc -RRB- , while even other policies cover all perils except what is specifically excluded . It would be this latter type of policy that would cover frozen pipes . Check with your agent or read your policy under coverage and exclusions . 