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How much is flood insurance for renters?

I’m buying renters insurance for the first time. I know I’m in an area that’s seen flooding in the past, so I want to make sure I’m covered on that front. How much is flood insurance for renters?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a great idea to look into
renters insurance
, and since you say you live in an area that’s had flooding before, you want to make sure flood coverage is a part of the picture.
Like homeowners insurance, a standard renters insurance policy doesn’t usually include coverage for flood insurance. It’s most often something you have to purchase separately.
How much renters flood insurance will cost depends on where you live and how extensive you want your coverage to be.
You can purchase flood insurance through FEMA’s National Flood Insurance Program (FLIP) or a private insurance provider. Through
FLIP
, renters flood policies start at about $99 per year.
If you know you’re in a flood-prone area, you want to make sure your flood insurance is set up sooner than later, as it can take about a month for your policy to go into effect.
As you continue looking for renters insurance, consider using the
Jerry
app as one of your shopping tools. After answering a few questions, Jerry will gather quotes from top insurance companies so you can more quickly and easily find the right policy for you.
MORE: Signs of a flood-damaged car
View full answer 
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