Oh boy, isn't this a tub-tastic topic! Now, I know you're all lathered up over whether homeowners insurance will cover your cracked tub. A little splash of truth here: it's not a straight yes or no. Generally, if that tub decides to split due to a sudden, unforeseen event like a rogue bowling ball at bath time - yes, insurance might cover it! But if that crack's from wear and tear, or your own DIY gone awry, well, you're likely diving into your own pockets for the fix. So, keep your tub well maintained and those bowling balls away, folks!