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Does renters insurance cover water leak damage?
One of the pipes in my bathroom began leaking. My landlord is expecting me to pay for the resulting damage. WIll my renters insurance cover damage from a water leak?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Dealing with water damage is never fun. Luckily, renters insurance covers water leak damage when it results from a
covered peril
. That said, it is not your responsibility to pay for the damage. With a renters policy, only your personal property has coverage. Your landlord is responsible for maintaining the building itself, while you are responsible for maintaining your own living space and belongings.
If you aren’t sure what’s covered, have additional questions, or need to start filing a claim, you should contact your insurance company and explain the situation. It’s also wise to review your policy’s
declaration page
to learn more.If you end up filing a claim and your insurance rate increases, or you just want to ensure you’re not overpaying for coverage, you should use the
Jerry
app. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy. So why do all that extra work when Jerry can do it better?
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