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Does renters insurance cover water damage from frozen pipes?
I live in Texas and I’m worried about another freak winter storm. Does renters insurance cover water damage from frozen pipes?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Water damage can be a little complicated but stick with us.
The first thing you need to know is that most renters insurance policies will cover frozen and busted pipes. However, coverage depends on the cause of the damage and the steps you took to prevent the situation from occurring in the first place.
The best answer we can give is that your insurer will probably cover water damage from frozen pipes. If you take reasonable steps to protect your home (like keeping the heat on and turning off the water), you should be covered.
Remember,
renters insurance
only covers damage to your personal property. Your landlord is responsible for any damage to the buildings as well as the pipes themselves.View full answer
- Gregory R.
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