If my spigot freezes and bursts, is the damage covered by my Homeowners insurance policy?

If your spigot freezes and bursts, coverage under your Homeowners insurance policy will depend on the specific terms of your policy and the extent of the damage. Generally, Homeowners insurance does not cover the cost to repair or replace the spigot itself, as this is considered part of routine home maintenance. However, if the burst spigot causes water damage to your home or personal property, the resulting damage is typically covered, provided you took reasonable steps to prevent the freeze, such as draining the spigot, shutting off its water supply, or using an insulated cover. If the insurer determines that the damage occurred due to neglect—like failing to winterize outdoor fixtures or maintain proper heat—your claim could be denied. To ensure you’re prepared, it’s wise to take preventive measures during freezing temperatures and review your policy to confirm what’s covered. If a burst spigot causes significant damage, document the incident thoroughly and contact your insurer to determine how your policy applies.