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Does renters insurance cover pipes bursting?

My apartment suffered a fair amount of water damage from a burst pipe. Many of my personal belongings are now ruined. Will my renters insurance cover burst pipes?

Jack Walsh · Updated on Jan 28, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

I’m sorry to hear about the water damage to your apartment and personal belongings!

Your renters insurance will cover pipes bursting and replace your damaged belongings, but only if one of the

caused the pipe to burst. For example:

Unexpected or accidental bulging, tearing, or cracking

Fire

Accidental discharge of water

The best way to know if you’re covered is to contact your insurance company and explain the situation. Additionally, renters insurance only covers your personal belongings. Your landlord is responsible for maintaining the building, so their home insurance should cover the pipes themselves and any structural damage.

Finally, if you want to ensure you have the right policy and aren’t overpaying for coverage, you should use

. Jerry is an insurance comparison app that shops for low prices with top insurance companies. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away.

MORE:

How to find the best renters insurance

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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