New answer on: Does Renters Insurance Include Flood?

By: David W. Clausen

David W. Clausen — Wed, 26 Aug 2015 16:04:44 +0000

Flood is a peril that is specifically excluded under a renters policy. Flood is generally caused by inundation of rain, tidal water or mudslide. If you had a pipe burst in your unit that would likely be covered if you had an ISO form HO-4 Renters policy. Keep in mind that there are limitations on expensive items such as jewelry, money & securities, fine arts etc.

By: David Osgood

David Osgood — Tue, 02 Jul 2013 14:31:30 +0000

No, flooding is not covered under renters or homeowners policies. If you need or want flood coverage this is typically sold as separate policy. Most agents that sell homeowners insurance also have avenues available to purchase flood insurance. Contact your local agent to find out more about the pricing and availability of this coverage in your area.

By: Mark Bartlett CLCS

Mark Bartlett CLCS — Sun, 05 May 2013 14:07:34 +0000

A flood which is defined by FEMA https://www.fema.gov/national-flood-insurance-program/definitions#F is not covered by renters insurance or any property insurance for that matter. A separate flood policy must be purchased to protect yourself from this peril. However if a pipe bursts in the home or water overflows from a tub or sink there may be coverage. Talk to your local agent about specif coverage of your renters policy.