Does Home Insurance Cover Busted Pipes? 
Typically , homeowner 's insurance policies cover a wide range of claims , such as fire and theft , vandalism , liability , wind , hail and much much more . However , `` wear and tear '' is not an item that can be covered under this type of policy . Therefore , assuming your pipes burst due to wear and tear , it would not be covered . On older homes , this is possible although it is unlikely if the pipes are fairly new . However , if the water damage originates from inside of your home , resulting in pipe damage , there 's a good chance the insurer will pay for that , subject to deductible and policy limitations and exclusions . 