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In most states the answer to this question is "yes". Sudden and accidental water damage is covered by most HO-3 policies (the TX equivalent to the HO-3 is the HO-B, and sometimes the HO-A+). Although the insurance company will repair the water damage, they will not cover the appliance that covered this damage. The reason the appliance is not covered is because "appliance malfunction" isn't a covered peril.

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Q: Does your insurance cover the damaged caused by a broken dish washerleaking?
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