Does renters insurance offer flood protection?

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

Answer provided by
Savannah Grabek
Answered on Mar 12, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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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