A homeowners policy may cover water damage from burst pipes,
water pipe leakage and sewage backups, but if a river flows through your house, filing a homeowners claim is pointless.
Under this section, cover is provided against natural disasters and fire - related risks — fire, bushfire, earthquake lightning, explosion, implosion, tornado, subsidence, landslides, rockslides, hurricane, tempest, cyclones, storms, flood and inundation, typhoon, riots, strikes, malicious damage, impact damage,
water tanks bursting and / or overflowing,
leakages through automatic sprinkler installations,
pipes and apparatus / missile testing operations, volcanic eruptions and other natural calamities etc..