Does my insurance cover water damage from a burst pipe?

Yes, standard homeowner's insurance typically covers water damage from a sudden, accidental burst pipe. This includes damage to your home's structure, flooring, walls, and personal belongings. However, damage from gradual leaks, lack of maintenance, or freezing pipes when the home was unheated and unoccupied may not be covered. Your insurer will expect you to have taken reasonable steps to maintain the property and prevent freezing. Document the damage thoroughly and call your insurer promptly.