John's plumbing pipes burst causing water damage to his cabinetry. Which statement is likely TRUE regarding his coverage?

The statement about the coverage being limited concerning damage from frozen pipes is likely true. In many homeowners insurance policies, including the HO-3, damage resulting from frozen pipes can be excluded if the homeowner did not take adequate precautions. For instance, if a freezing event occurs and the homeowner failed to properly maintain the heating in the house to prevent the pipes from freezing, the insurer may deny the claim. Insurance policies typically include conditions that the homeowner must fulfill to ensure coverage.

In contrast, the other statements present inaccuracies regarding standard policy coverage. For example, while John's ownership of the home is relevant, an HO-3 policy generally will cover sudden and accidental damage, including from plumbing issues, but specific exclusions may apply for frozen pipes if appropriate preventive measures weren't taken. The idea that coverage is available only with house sitters is misleading; typically, accessibility issues wouldn't determine coverage in the event of water damage. Lastly, damage due to neglect is generally not covered in an HO-3 policy; insurance coverage is contingent upon the homeowner maintaining the property adequately and addressing risks.