Usually, yes, if the pipe bursts suddenly and causes water damage. The damaged pipe itself may not be covered, but buildings and contents insurance can help with the damage caused by the escaping water.

What usually causes a burst pipe?

• Freezing is a common cause, especially in lofts, garages and other cold spaces.
• Corrosion, failed joints and accidental damage can also cause a pipe to split.
• A small weakness can become a major leak once mains water pressure is behind it.

Preventing burst pipes

• Insulate exposed pipework.
• Keep some heating on during freezing weather.
• Repair corroded or dripping joints.
• Know where the main stopcock is and make sure it turns freely.

What should you do if a pipe bursts?

• Turn off the water as quickly as you safely can.
• Move belongings away from the leak.
• If water is close to electrical fittings, switch off the affected circuit only if it is safe to do so.
• Arrange a proper plumbing repair.

Check the escape-of-water section

Look for escape-of-water cover. Also check the excess and whether the policy includes trace-and-access costs if part of a floor or wall has to be opened to find the leak.