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

The correct choice indicates that coverage for damage caused by frozen water pipes under a broad form dwelling policy is contingent on whether the insured took proactive measures to prevent the pipes from freezing. Insurance policies often include preventative clauses like this to encourage policyholders to maintain their property and take necessary precautions against common damage risks.

By requiring the insured to have taken specific steps to protect the pipes, the policy promotes responsible behavior. This could include actions such as properly insulating pipes, allowing faucets to drip during extremely cold weather, or keeping the home heated. If the insured failed to take reasonable measures to mitigate the risk of freezing, they may not be able to claim coverage for related damages, which aligns the insurance coverage with their actions and responsibility.

In contrast, the other options suggest conditions that either do not reflect the preventative measure requirement or imply blanket coverage without regard to the insured's actions or circumstances. For example, simply having recently installed plumbing or a specific outside temperature does not, by themselves, guarantee coverage if proactive measures were not taken.