{"id":1824,"date":"2020-10-02T14:02:40","date_gmt":"2020-10-02T14:02:40","guid":{"rendered":"https:\/\/unitedwaterrestoration.com\/blog\/?p=1824"},"modified":"2022-06-09T10:56:44","modified_gmt":"2022-06-09T14:56:44","slug":"does-renters-insurance-cover-flood-damage","status":"publish","type":"post","link":"https:\/\/unitedwaterrestoration.com\/blog\/does-renters-insurance-cover-flood-damage\/","title":{"rendered":"Does Renter\u2019s Insurance Cover Flood Damage?"},"content":{"rendered":"<p><\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" title=\"How To Make Sure Your Insurance Covers You Under A Water Damage Situation\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/NH3GQaUdl6Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\n<span style=\"font-weight: 400;\">Flood damage can vary, it can be extensive and costly or minor and easy to fix. While the average renter may not think about weathering a flood in their home, it may be a genuine concern for some. In the United States, there are an <\/span><a href=\"https:\/\/www.cbsnews.com\/news\/15-million-homes-at-risk-of-flooding-new-data-from-first-street-foundation\/#:~:text=Some%2014.6%20million%20properties%20are,million%2C%20according%20to%20First%20Street.\"><span style=\"font-weight: 400;\">estimated 14.6 million properties<\/span><\/a><span style=\"font-weight: 400;\"> that are at risk in a flood zone. Flood damage can make your home uninhabitable in a matter of seconds.<\/span><\/p>\n<p><a href=\"https:\/\/unitedwaterrestoration.com\/\"><span style=\"font-weight: 400;\">United Water Restoration Group<\/span><\/a><span style=\"font-weight: 400;\">, a company that focuses on water, mold, fire, and flood damage, would like to discuss renter\u2019s insurance. Many renters may not be aware if their policy covers flood damage or not.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-button-center\"><a href=\"https:\/\/unitedwaterrestoration.com\/contact\" class=\"su-button su-button-style-default\" style=\"color:#FFFFFF;background-color:#750E0E;border-color:#5e0c0c;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#FFFFFF;padding:0px 24px;font-size:18px;line-height:36px;border-color:#9f5757;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px;text-shadow:none;-moz-text-shadow:none;-webkit-text-shadow:none\"> Locate a Restoration Specialist<\/span><\/a><\/div><\/span><\/p>\n<h2><strong>What Does Renter\u2019s Insurance Cover?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Renter\u2019s insurance covers a vast variety of situations and items. Every renter\u2019s insurance policy may also differ depending on the location and various risks associated with the area. For the most part, renter\u2019s insurance provides coverage from theft, water backup, and other various events and natural damage. Renter\u2019s insurance covers three areas of coverage:<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-button-center\"><a href=\"https:\/\/unitedwaterrestoration.com\/water-damage-restoration\" class=\"su-button su-button-style-default\" style=\"color:#FFFFFF;background-color:#750E0E;border-color:#5e0c0c;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#FFFFFF;padding:0px 24px;font-size:18px;line-height:36px;border-color:#9f5757;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px;text-shadow:none;-moz-text-shadow:none;-webkit-text-shadow:none\"> Water Damage Restoration Services<\/span><\/a><\/div><\/span><\/p>\n<p><b>Personal Property<\/b><span style=\"font-weight: 400;\"> &#8211; <em>If your personal property is stolen or damaged by a perilous or natural event. This coverage comes with an allotment per item category. Things such as furniture, electronics, and clothing can be covered in case of theft or in the event of a fire.<\/em><\/span><\/p>\n<p><b>Liability Coverage<\/b><span style=\"font-weight: 400;\"> &#8211; <em>Liability coverage protects you in the event where someone is hurt on your property or if something is broken or damaged. This coverage protects you in the event of an accident that damages property or a guest.<\/em><\/span><\/p>\n<p><b>Additional Living Expenses <\/b><span style=\"font-weight: 400;\">&#8211;<em> In the event that the home you are renting is damaged and rendered uninhabitable, additional living expenses may be covered in your renter\u2019s insurance. During such a time, your renter\u2019s insurance can assist you in paying for additional living fees. These fees include hotel bills and can help place you in a habitable living situation.\u00a0<\/em><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Certain items may not be eligible for coverage, such as jewelry or valuable collections, such as coins. You may be able to add these items to your coverage, but it will cost extra.<\/span><\/p>\n<h2><strong>Flood Damage &amp; Renter\u2019s Insurance<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Although standard renter\u2019s insurance will cover several forms of water damage, the typical policy does not include damages done by a flood. Depending on your location, damage dealt by a flood may not be involved in a renter\u2019s insurance policy at all. Certain companies may allow you to add flood damage to your renter\u2019s insurance policy, though it is not typically in a policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before looking into damage protection, look to see if your rental is susceptible to flood damage. This type of damage can cause serious damage, but not everyone is in a flooding zone or at risk for water damage. To learn if your home is at risk for water damage and located in a flood zone, check out <\/span><a href=\"https:\/\/msc.fema.gov\/portal\/home\"><span style=\"font-weight: 400;\">FEMA\u2019s Flood Zone<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-button-center\"><a href=\"tel:(800) 430-5838\" class=\"su-button su-button-style-default\" style=\"color:#FFFFFF;background-color:#750e0f;border-color:#5e0c0c;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#FFFFFF;padding:0px 24px;font-size:18px;line-height:36px;border-color:#9f5757;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px;text-shadow:none;-moz-text-shadow:none;-webkit-text-shadow:none\"> Call UWRG Now<\/span><\/a><\/div><\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are experiencing damages from flooding and are seeking damage remediation, <\/span><a href=\"https:\/\/unitedwaterrestoration.com\/\"><span style=\"font-weight: 400;\">United Water Restoration Group<\/span><\/a><span style=\"font-weight: 400;\"> is here to help. <\/span><a href=\"https:\/\/unitedwaterrestoration.com\/\"><span style=\"font-weight: 400;\">United Water Restoration Group<\/span><\/a><span style=\"font-weight: 400;\"> technicians are certified and able to help clean and repair flood damage. To learn more about <\/span><a href=\"https:\/\/unitedwaterrestoration.com\/\"><span style=\"font-weight: 400;\">United Water Restoration Group<\/span><\/a><span style=\"font-weight: 400;\">\u2019s water damage services, <\/span><a href=\"https:\/\/unitedwaterrestoration.com\/water-damage-restoration\"><span style=\"font-weight: 400;\">we encourage you to visit our blog discussing these services<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-button-center\"><a href=\"https:\/\/unitedwaterrestoration.com\/search\" class=\"su-button su-button-style-default\" style=\"color:#FFFFFF;background-color:#750E0E;border-color:#5e0c0c;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#FFFFFF;padding:0px 24px;font-size:18px;line-height:36px;border-color:#9f5757;border-radius:9px;-moz-border-radius:9px;-webkit-border-radius:9px;text-shadow:none;-moz-text-shadow:none;-webkit-text-shadow:none\"> Find an Office Near You<\/span><\/a><\/div><\/span><\/p>\n<p><span style=\"font-weight: 400;\">We provide services in <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/ormond-beach\" target=\"_blank\" rel=\"noopener\">Ormond Beach, Florida<\/a>, <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/jacksonville\" target=\"_blank\" rel=\"noopener\">Jacksonville, Florida<\/a>, <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/daytona-beach\" target=\"_blank\" rel=\"noopener\">Daytona Beach, Florida<\/a>, <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/orlando\" target=\"_blank\" rel=\"noopener\">Orlando, Florida<\/a>, <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/tampa\" target=\"_blank\" rel=\"noopener\">Tampa, Florida<\/a>, <a href=\"https:\/\/unitedwaterrestoration.com\/us\/florida\/melbourne\" target=\"_blank\" rel=\"noopener\">Melbourne, Florida<\/a>, and many other locations around Florida!\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flood damage can vary, it can be extensive and costly or minor and easy to fix. While the average renter may not think about weathering a flood in their home, it may be a genuine concern for some. In the United States, there are an estimated 14.6 million properties that are at risk in a<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/unitedwaterrestoration.com\/blog\/does-renters-insurance-cover-flood-damage\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":1941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99,124,7],"tags":[],"class_list":["post-1824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-flood-damage","category-insurance","category-water-damage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Renter\u2019s Insurance Cover Flood Damage?<\/title>\n<meta name=\"description\" content=\"United Water Restoration Group, a company that focuses on water, mold, fire, and flood damage, would like to discuss renter\u2019s insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unitedwaterrestoration.com\/blog\/does-renters-insurance-cover-flood-damage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Renter\u2019s Insurance Cover Flood Damage?\" \/>\n<meta property=\"og:description\" content=\"United Water Restoration Group, a company that focuses on water, mold, fire, and flood damage, would like to discuss renter\u2019s insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/unitedwaterrestoration.com\/blog\/does-renters-insurance-cover-flood-damage\/\" \/>\n<meta property=\"og:site_name\" content=\"United Water Restoration - 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