If you’re a renter in Kissimmee, FL, chances are you’ve asked yourself this question at least once. Floods can cause catastrophic damage to your home and all of its contents, so it’s essential to know if your renter’s insurance will cover any flooding that may occur.

What is Covered?

Most standard renter’s insurance policies include coverage for water damage caused by an overflow from plumbing or appliance failure. You are most likely covered if your toilet overflows or your washing machine floods your apartment. Speak with a Familia Insurance Agency agent to determine the exact details of your policy and what is covered.

What Isn’t Covered?

Renter’s insurance does not cover floods caused by natural disasters like heavy rain or overflowing rivers. If the water damage occurs because of negligence on behalf of the landlord or tenant, it’s unlikely that the policy will cover it. It’s important to note that even if you have flood coverage through an outside company, it may not cover all the damage by a flood—especially if it was pre-existing damage caused by a previous flood or water leakage issue.

What Can I Do To Protect Myself?

When you move into a new rental unit, ask questions about its history with flooding and whether any measures are in place to prevent future flooding incidents. Familiarize yourself with your current renter’s insurance policy and ensure that any changes are reflected in your policy and your monthly premiums.

Keep these tips in mind as you review your renter’s insurance policy moving forward – knowledge is power! Do you want to learn more about protecting your home and belongings in Florida? We are here to help! Contact the experts at Familia Insurance Agency with questions about renter insurance.