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Does renters insurance cover flood damage to personal property?
We had some flooding in my city and it reached my apartment building. A bunch of my books and electronics got damaged. Does renters insurance cover flood damage to personal property?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about the damage! Renters insurance does not cover damage due to flooding, or
hurricanes
unfortunately. Your landlord isn’t liable either. In most areas, you need a separate flood insurance policy or a flood endorsement to have protection from flood-related losses.
You do have some protection from rain and storm damage under certain conditions. For instance, if a falling tree branch broke your window and let in the water, your policy may cover the damage. If you leave the window open yourself, however, the policy won’t cover the costs.
If you live in an area with a high risk of flooding, check out some options with the
National Flood Insurance Program
. Try their online map
to understand whether you’re in a risky area.Insurance can be confusing, so if you ever have a question about your [car insurance] (
https://getjerry.com/car-insurance
) or renters insurance, reach out to Jerry’s
friendly agents. Even though we’re the top-rated car insurance app, we have live humans who are here to answer all your insurance-related questions and provide advice on the best coverage options. Our agents are just a text or phone call away.
View full answer
- Gregory R.
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