Real Estate Law
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Hello. My name is***** am a US licensed attorney and I will be happy to answer your question.I am sorry to hear about this unfortunate situation.Please note, I cannot comment on your specific situation, as this services is only limited to general information and for any legal advice / legal service you should contact your local attorney.
Generally, it would be up to the renter to obtain and maintain "renters" insurance policy and if the tenant does not have renters insurance, then the homeowner's policy would not cover any of the tenant's personal belongings and the landlord would not be generally liable for any damage / loss of the tenant's personal belongings due to a pipe that broke down due to cold.
I wish you the best of luck!
Thank you for your follow up.
Generally, if the pipe was not installed properly, then the owner would be considered legally negligent and liable for the tenant's personal belongings, however, the homeowner's insurance would generally cover damage to the real property that owner owns, but not the tenant's personal belongings.