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Is water damage covered by renters insurance?
The sprinkler system in my apartment building randomly went off the other night. A ton of my belongings were destroyed. Will my renters insurance cover water damage?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sorry to hear about your damaged property! Water damage is covered by
renters insurance
as long as one of the 16 perils
outlined in your policy caused the damage. Since accidental discharge of water or steam is a covered peril, you’ll likely have coverage for your belongings under your renters policy. Any other part of your apartment damaged by the water won’t have coverage under your renters policy since the building and structure belong to your landlord.
To cover any damage within the building, your landlord will have to submit a claim to their homeowners insurance.
You should contact your insurance company as soon as possible and explain the situation. Policies vary by provider, so it’s best to speak with your insurance company directly to determine how to file a claim and confirm your coverage.
Since filing a claim can impact your renters insurance rate, consider using
Jerry
to ensure you’re not overpaying for coverage. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
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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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