Many home insurance policies do include some cover for damage caused by a burst pipe, but what is covered varies a lot from one policy to the next. The only way to know for sure is to read your own policy wording or speak to your insurer.
This article explains the common points to look for. It is general information, not financial or legal advice.
Look for Escape of Water Cover
Insurers often describe water from a burst or leaking pipe as an escape of water. If your policy includes this, it may help with damage to the building, your belongings or both, depending on whether you have buildings cover, contents cover or a combined policy.
Some policies cover the damage the water causes, such as ruined flooring or ceilings, but not the cost of fixing the pipe itself. Others may include help with finding and reaching a hidden leak. Your policy documents should set out which parts apply to you.
Things That Can Affect a Claim
Policies often have conditions and exclusions. A common one relates to wear and tear, where a pipe has failed slowly through age rather than a sudden event. Some policies also have rules about homes left empty for a period, or about keeping the heating on in cold weather.
There may also be an excess, which is the part of a claim you pay yourself. The amount is set by your policy, so check it before you decide whether to claim.
Steps That Can Help if You Need to Claim
Stop the water first by turning off the stop tap, then limit the damage where you safely can. Once things are under control, take clear photos and videos of the burst, the wet areas and anything that has been damaged.
Keep a note of the date and time you found the problem and what you did about it. Hold on to receipts for any urgent work or drying equipment, and do not throw damaged items away until your insurer says it is fine to do so.
Contact your insurer as soon as you reasonably can. Many have a claims line and may ask you to use their own approved contractors, so it is worth checking this before booking work if you plan to claim.
If You Rent Your Home
If you are a tenant, tell your landlord or letting agent straight away. The landlord is usually responsible for repairing the pipework and the building, while your own contents insurance, if you have it, may help with your belongings.
Whether or not you claim, a burst pipe still needs proper fixing. When you are ready, you can book a burst pipe repair in Oxford and ask for a short written note of what was found and done. That record can be useful for your insurer, your landlord or your own files.