In the winter I run a small heater to keep the pipes from freezing and in the summer I run a dehumidifier.  

Good luck evicting during the deep freezes.  

If we're talking concrete or clay pipe there should be breaks and wear in it simply from old age, water wear, ground shift, freeze/unfreeze.

desert areas as long as your HVAC is in tip top shape can be cheaper to own over time than homes in areas were it Snows.. and you have freeze thaw.

I've had tenants die, tenants disappear, buildings burn down, house condemned, floods, freezes, drug dens, lawsuits, pet bites, HOA bankruptcies, squatters, evictions, failed partnerships, deadbeat contractors, etc.

@Rafael LopezYou want coverage that includes (at least):1) Stated Value/Replacement cost (depends on your strategy)2) Freeze coverage3) Loss of rents4) sewer/water backup5) liability insurance (someone falls on your sidewalk, falls off the roof, etc.)

I already have a good idea how it became broken - we had an unseasonably warm day with heavy rain early in the week followed by a flash freeze as temperatures returned to seasonal ...

Since I posted this question I have done more research and I think I will take advantage of the time I have until January to pay as much as possible of my student loans without interest (I am able to do this because of the government freezing interests until January due to covid-19).

Typically water and freezing temperatures in unconditioned attics are a BAD combination so our HVAC contractor says to try and avoid putting them in unconditioned attics whenever possible.

We've had some trouble with smart TVs freezing up when using Netflix.