No painting, no drywalling, no fixing leaky faucets or toilets, etc. 

The rubber toilet flapper in a toilet becomes stiff.

The one i recently installed in one my rentals is priced appropriately and has a 1.5 GPM rating.In addition to the shower head, I also installed a 2-button flush toilet system.  

So if the burst pipe causes sewage to seep into your house, back up into your sink, toilet, tub, shower, etc., and has ruined your floors, walls, etc., then in this case you would likely have coverage. 

Yes there is a $75.00 "co-pay" to have the contractor come out, but depending on the plan you have they will fix toilets, stoves, plumbing, HVAC, etc. 

.- Replace the workings on every toilet regularly...This was a $1700 lesson I learned early on.

Picture yourself dealing with a tenant call about a leaky toilet.  

About 12 years ago, had a tenant with plumbing issue (the proverbial "toilet" issue you hear about).  

If water was leaking, you'll see evidence.Third, air test the water lines and bring some buckets of water to pour down drians and toilets.

Now keep in mind this place was only rented for 1 yearDamages and estimated cost of repair:Walls / Cabinets covered in magic markers(over 75 different places with multi colored magic markers and crayons throughout house and in cabinets) $1035.00( Estimate from my painter)Stained vanity sink with red hair dye 50.00Broken shower curtain rod for claw foot tub 54.00Garbage removal from under appliances and in heating vents(packed with garbage) 25.00Dog damage to paint on door 25.00Stuffed food in electrical outlet 5.00Damaged heating vents x 2 30.00Ripped/slashed/painted stools 25.00Missing toilet paper holder 3.00Non cleaned over 10.00Re paint kitchen island (Market Damage) 50.00Rusted appliances from slime sitting on them for a year- 50.00Stained LVP 10.00Chipped Granite 10.00