Which cause of water damage is typically covered in a homeowner's policy?

Water from pipes and appliances is typically covered under a homeowner's policy because it falls under the category of accidental discharge or overflow of water. Most standard homeowner insurance policies include protections against sudden and unexpected water damage caused by plumbing issues, such as burst pipes, leaking fixtures, or overflow from appliances like washing machines or dishwashers. This type of coverage is essential for providing financial assistance in the event of water damage that can cause significant issues, such as mold growth or structural damage.

In contrast, certain other causes of water damage may not be covered. For example, floods, which are defined as water that rises from natural water sources like rivers or lakes, usually require separate flood insurance. Wind-driven rain can also lead to water damage, but it may only be covered if there is corresponding wind damage to the building. Subterranean water, which refers to water that seeps up from the ground, is typically excluded from standard homeowner policies, as this is often regarded as a maintenance issue or related to the property's landscape and drainage.

Thus, water from pipes and appliances stands out as a specific, commonly covered risk, making it the correct answer in this context.