Does homeowners insurance cover upstair condo water leak?

Typically no. Condos present a very different risk to insurers than a single family home. policies issued for condo owners generally cover only the interior portions of the unit. Sometimes referred to as "Wall to Wall" coverage or "Sheet Rock to Sheet Rock". Anything inside the walls is usually not covered.

Plumbing leaks in Condos are usually covered under the Condo Associations master risk policy for shared structure and conveyances.