Does renters insurance cover flood protection?

Does my renters insurance guard against flooding? My neighborhood has a history of flooding and I don't know if my insurance will cover me the next time it does!

Answer
“Standard renters policies do not protect against floods. Flood insurance is a separate policy that may be purchased publicly or privately.
The best options are either:
  • FEMA’s National Flood Insurance Program (NFIP) is available at a relatively low rate, and you may qualify for discounts if your community meets certain standards.
  • Private insurance is another viable option, though prices may vary drastically from one policy to the next. While private providers will usually have a higher claim limit, they may be less reliable than FEMA’s policy.
Although your renters policy won’t cover floods, it will likely cover other types of water damage. If a pipe bursts in your home due to freezing, that is typically covered by your policy. And different plans might cover further water damage, such as problems resulting from sewage backup or storms.
To find better coverage for flooding and water-related issues, try using Jerry. The Jerry app can help you find and compare affordable policies so that you can decide what coverage works best for you.”
Savannah Grabek
Answered on Nov 24, 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.
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