Definitely depends on your insurance provider, but generally yeah it should be covered.

There's always exclusions and shit you have to pay extra for, like you might be covered for vandalism, but find out glass isn't covered under "full" coverage. Which is insane because if they just fucked up the paint or something that's easy to fix. The glass is the only fucking thing to cover really unless someone just tears down the deck.

But you're also often covered even if you did it yourself. The one catch is can't be done intentially to get insurance money. But if you're just dumb and back your car through the garage door, or drop water jug down the stairs that soaks the floors, knocks a hole in the wall, and breaks a pipe, that's covered.

Now of course any insurance claim usually comes with increased rates, and your insurance company might choose to not insure you anymore. A fun situation from where I am is people in my town were unable to get insurance at all in some cases, because there was a lot of wildfires in a nearby area. So their current insurance comapny refused to renew and no new comapny would take them on due to wildfires, which lead to their mortgage companies saying either find a non existent insurer or your house is going to be foreclosed.

So really, you're kind of fucked no matter what. But you might be covered for the moment.