Under a broad from dwelling policy, frozen water pipes will be covered?

The coverage for frozen water pipes under a broad form dwelling policy is effectively addressed by the requirement that the insured takes proactive steps to prevent the pipes from freezing. This means that if the insured has taken reasonable precautions, such as keeping the home heated adequately or letting water drip from faucets during extreme cold, they are more likely to be covered for damage caused by frozen pipes.

This focus on the insured's responsibility reflects the broader principle in insurance where coverage often hinges on the condition of reasonable care being exercised by the policyholder. If the insured can demonstrate that they took appropriate measures and still experienced frozen pipes due to extreme weather conditions, it supports the claim for coverage under the policy.

The other options do not align with the policy’s intent. The age of the plumbing does not necessarily relate to whether damage occurs but rather to maintenance and investments in the property. While temperature can contribute to the risk of freezing, merely reaching a specific temperature isn’t sufficient for coverage without showing that preventative measures were taken. Lastly, the idea that coverage exists "under all circumstances" is inaccurate, as insurance typically imposes conditions regarding policyholder actions, preventative measures, and specific limitations of coverage.