Does Renters Insurance Cover Flooding?

Renters insurance is not a legal requirement for those living in Decatur, AL, but some landlords will require proof of indemnification before they sign off on your lease. In addition, many people choose to buy renters insurance for the benefits it offers. 

What About Flooding?

A variety of reasons can cause flooding. For example, a pipe may burst in your apartment, causing significant water damage. Leaky roofs can also cause fluid accumulation, and both of these scenarios are likely to fall under the purview of a renters insurance policy. Your Will Wright Agency Inc. specialist can go into further detail about specific coverage. 

The type of flooding that falls outside of renters insurance coverage tends to be directly related to the weather, such as living next to a river or creek that rises during heavy rains. 

Flash flooding due to storms can wreak havoc, as can significant snow thaws. Wet water streams that spring up and inundate gullies and ditches can also create flood conditions. These types of events fall under flood insurance coverage. 

It’s important to examine the Decatur, AL topography surrounding your dwelling and speak with an expert to determine if additional coverage is needed. FEMA government maps detail flood planes and the risk for flooding as well as the severity, frequency, and elevation; this information is updated every few years. 

Renters insurance tends to cover your possessions, furniture, and expenses due to injuries incurred by guests while on your premises and not events due to flooding. 

Discuss Your Needs With Us 

Will Wright Agency Inc. works hard to provide you with the tailor-made insurance package best suited to meet your needs. Call us today, reach out via phone, or stop by our office to ask any questions.