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Fire & Water - Cleanup & Restoration

Home Renters Insurance and Water Damage: Am I covered?

12/19/2022 (Permalink)

Water damage is an unfortunate reality for renters. It can happen in the blink of an eye, and the result can be devastating. Whether it's a burst pipe or even a broken appliance, you'll want to know if your renters insurance will cover the costs if any of these things happen.

Is Water Damage Covered by Renters Insurance?

Yes, but only in certain situations. Water damage is covered by renters insurance if it was caused by one of the following:

  • A covered loss (such as a fire, lightning strike or storm)
  • Neglect or routine wear and tear (think leaky faucets or a clogged drain)
  • Flooding

Many other kinds of water damage will be covered by renters insurance.

If you're a renter and your pipes burst, or if your dishwasher overflows, or if your toilet overflows, or if you forget to turn off the water before leaving for vacation, or if you have a leaky roof—any of these things could result in water damage. And if this happens to anyone, it's usually not their fault. That's why renters insurance covers most other kinds of water damage as well.

When you look for renters insurance, check that it's the right policy for your needs.

In order to make sure your renters insurance is the right policy for you and your needs, it's important that you check the details of the policy. When you are looking at renters insurance policies, make sure that:

  • You understand what is covered by the policy. If there is something in particular you want to be covered, such as jewelry or expensive electronics, look for a policy that covers those items specifically.
  • You understand how the policy works. For example, some policies will have an additional fee per month if they have to pay out a claim while others will not charge extra fees until after five claims have been filed.
  • The coverage amount matches what you actually own and keep at home (e.g., if there are high-value items like artworks then this should be calculated into their value). This can help prevent underinsurance when it comes time to file claims against those assets too!

Renters Flood Insurance

Renters flood insurance is a separate policy from your normal renters insurance. The cost of a renters flood policy depends on several factors, including where you live and the amount of coverage you need. For example, living in an area prone to floods might require higher limits of coverage than someone who lives in an area that’s less likely to see flooding.

A renters flood policy also covers damage done by water seeping into your home through the walls or windows. This includes water coming in through plumbing, pipes and appliances such as washing machines and dishwashers too! If there are cracks or holes in these items then they could result in a lot of dirty water getting into your home – so if this happens then all those costs will be covered under this type of insurance too!

If you're looking to protect your belongings, then renters insurance is the way to go. Make sure that it covers water damage and check out our tips above on how to choose the right policy for your needs. You'll also need to go through a little bit of hassle when filing a claim so make sure it's worth it by reading up on what could happen if you don't have coverage before signing anything!

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