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Renters insurance generally covers water damage caused by accidental events such as burst pipes or leaking appliances, like an overflowing bath or toilet Get clear answers on what's covered, what's not, and who is responsible for the damage. Your policy may also cover damage to neighboring apartments if the leak originates in your unit
Renters insurance generally does not cover water damage caused by outside flooding (which often requires its own policy through a separate. Does renters insurance cover leaks, burst pipes, or floods Learn how a renters insurance policy may cover water damage from a sudden and accidental incident, but not due to flooding or neglect.
Experience water damage in your apartment, duplex or other rental unit
Learn more about water damage, property protection and how you're covered with renters insurance. Does renters insurance cover water leak damage Everything you need to know by ashley kilroy July 01, 2025 · 8 minute read this content may include information about products, features, and/or services that may only be available through sofi's affiliates and is intended to be educational in nature.
Renters insurance does not cover property damage for all perils Renters insurance will rarely—or never—cover damage to your personal property for some specific perils, such as earthquakes, riots and pests Most renters insurance policies will not cover damage costs associated with bed bugs, with limited exceptions. Renters insurance provides financial protection for your personal belongings against various perils, including certain types of water damage
While it does not cover damage to the dwelling itself, which is the landlord’s responsibility, it can offer coverage for your possessions if they are damaged by water from a covered event.
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