Is the cost of water lost from a broken water line covered by the policy?

In most standard homeowners insurance policies, the costs associated with water loss from a broken water line are typically excluded, especially if the loss is deemed to be a result of negligence or a lack of maintenance. This is because policies usually cover direct damage to property caused by sudden and accidental water damage, but not the cost of water itself or any losses that arise over time from a plumbing issue.

It's important to note that specific coverage can vary based on the terms of the policy, but common exclusions often penalize the insured for failures to maintain the plumbing system, which collectively leads to the conclusion that the cost of the water lost is not covered.

Additionally, options indicating that coverage might depend on specific circumstances or timing typically imply ambiguity that would not negate the overall standard practice regarding water damage exclusions. Hence, in most cases and under typical policy language, the cost of the water lost from a broken line would not be covered.