Does renters insurance offer flood protection?

Answered by Home Insurance, Car Insurance Expert Savannah on March 12, 2021

My neighborhood has a history of floods. Does my renters insurance guard against flooding?

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Savannah

Home Insurance, Car Insurance Expert

Standard renters policies do not protect you against floods. Flood insurance is a separate policy that you would have to purchase through FEMA’s National Flood Insurance Program (NFIP). There are many carriers that are qualified to sell these policies.

However, your renters policy may cover other types of water damage. If a pipe bursts in your home due to freezing, that is typically covered by your policy. Also, if you have coverage for water sewer backup on your policy, then you’re covered if sewage backs up into the home.

For more information on this topic, check out this article: Does Renters Insurance Cover Flood Damage?.


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