Most insurers and policy vendors consider a home’s plumbing maintenance as the responsibility of the homeowner. The property owner is responsible for ensuring that pipes don't freeze, screwed tight, are kept unclogged, and are generally maintained. Homeowners should also be on the lookout for mildew, mold, or other signs of aquatic damage that suggest a hairline fracture, small crack, or leak somewhere.
If you’re residing in a northern climate and your broken pipes are a result of freezing because of inadequate heat, your insurer may cite negligence and deny your claim. If your pipe burst because you didn’t maintain adequate heat in the property while you were away for an extended period, your homeowners' insurance won't pay for the damage. Broken pipes whether through freezing or any other means must happen accidentally and suddenly and isn’t easily preventable.