Most homeowners' policies will cover other types of water damage provided the cause is 'sudden and accidental' and is not caused by freezing. This could include the sudden failure of a heating or air conditioning system, an overflowing washing machine, a blocked toilet, accidental sprinkler going off or a burst water pipe.The key words are 'sudden' and 'accidental'. Water entering the home through leaks, cracks and seepage are considered to be the responsibility of the owner and should be prevented through routine home maintenance. more... See more text