While damage from burst pipes is a covered cause of loss under the standard policy form, an earthquake is excluded.
Not exact matches
While there may be a few exclusions such as flood (Flood is never covered on renters insurance or homeowners insurance, whereas water
damage from a
burst pipe would be), this means that whatever happens to your belongings is covered.
For instance, an upstairs tenant's leaky bathtub or
burst pipe flooding your apartment is covered,
while damage from an actual flood most likely won't be.
Water
damage is also a contentious issue because
while most homeowner policies will cover accidental
damage from burst pipes or heaters, they won't cover it if the cause is wear and tear.