Last Updated May 27, 2026
Frozen pipes can become a major problem during winter weather in Arkansas. When temperatures drop below freezing, water inside your pipes can freeze, expand, and eventually cause the pipes to crack or burst. A burst pipe can quickly flood your home and cause costly water damage, including many of the issues caused by flood damage in your home.
Dealing with water damage in the middle of winter can be stressful. You may need temporary housing while repairs are completed, and damaged furniture, flooring, and personal belongings may also need to be replaced.
The good news is that many homeowners insurance policies may help cover certain damages caused by frozen or burst pipes. Below, we explain what is typically covered, common exclusions, and how to help prevent frozen pipes in your home.
Will Home Insurance Cover Frozen Pipes?
In many cases, homeowners insurance may cover water damage caused by frozen or burst pipes if the damage is sudden and accidental. Coverage can also help pay for temporary living expenses if your home becomes unlivable during repairs.
However, most policies typically do not cover the actual repair or replacement of the damaged pipe itself unless additional coverage applies.
There are also some important exceptions homeowners should know about.
1. Negligence
Insurance companies expect homeowners to take reasonable steps to protect their property during freezing weather. If the pipes burst because the home was left unheated or proper precautions were not taken, your claim could be denied due to negligence.
For example:
- Leaving the home vacant without heat during freezing temperatures
- Failing to shut off water during extreme cold
- Ignoring known plumbing issues
2. Gradual Damage or Wear and Tear
Home insurance generally does not cover damage caused by aging pipes, corrosion, poor maintenance, or long-term wear and tear. Insurance is designed for sudden accidental events, not maintenance-related issues.
3. Pipes Located Outside the Home
Many standard homeowners insurance policies may not cover pipes located outside the main structure of the home. Coverage often applies only when the source of the water damage originates inside the house.
What To Do If a Frozen Pipe Bursts
When your pipes freeze and burst, here are the steps you should take:
- Turn off the water supply to stop additional flooding.
- Shut off electricity in flooded areas if it is safe to do so.
- Contact a plumber to inspect the damage and begin repairs.
- Call your insurance company and start the claims process.
- Take photos and videos of all damaged areas for documentation.
If you are unsure what happens after filing a claim, read our guide on what to expect during the home insurance claims process.
5 Ways To Prevent Frozen Pipes
1. Keep Your House Warm During Cold Weather
When temperatures drop below freezing, keep your home heated to help prevent pipes from freezing.
2. Open The Cabinets Under Your Sinks
Open cabinet doors under sinks to allow warm air to circulate around the pipes.
3. Let Faucets Drip Slightly
Allowing faucets to trickle can help keep water moving through the pipes and reduce the chance of freezing.
4. Shut Off The Water During Extreme Cold
If severe winter temperatures are expected, shutting off the water supply and draining pipes may help prevent burst pipes.
5. Perform Regular Pipe Maintenance
Regular plumbing inspections and maintenance can help identify problems before they become costly repairs. You can also review our tips on preventing water damage in your home to help protect your property year-round.
What Water Damage Is Not Covered by Homeowners Insurance?
Homeowners insurance may not cover:
- Flooding caused by outside water sources
- Long-term leaks or gradual damage
- Poor maintenance or neglect
- Sewer backups without additional coverage
- Damage to pipes outside the covered structure
Because every policy is different, it’s important to review your coverage carefully with an insurance professional.
Looking for Home Insurance in Arkansas?
Finding the right homeowners insurance policy can help protect your home from unexpected water damage, frozen pipes, and other covered losses.
At G&G Insurance, we help Arkansas homeowners compare coverage options from multiple insurance carriers to find the policy that fits their needs and budget. Contact us today for a free homeowners insurance quote.