Direct answer
It depends on the cause; while exterior flooding is excluded, internal water damage resulting from a sudden, accidental burst pipe is typically covered under the ‘perils insured against’ section of a standard homeowners policy. Damage from long-term neglect or maintenance issues is generally not covered.
Standard property insurance policy definitions regarding sudden and accidental discharge of water. For additional information about policy language and standard coverage, see the Insurance Information Institute‘s guide to homeowners insurance.
What this means for you
It depends on the cause; while exterior flooding is excluded, internal water damage resulting from a sudden, accidental burst pipe is typically covered under the ‘perils insured against’ section of a standard homeowners policy. Damage from long-term neglect or maintenance issues is generally not covered.
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