Renters insurance covers water damage to your belongings when it’s sudden and accidental, like a burst pipe, an overflowing washing machine or a leak from the unit upstairs. It usually doesn’t cover floods, sewer backups (unless you add coverage) or damage from slow leaks that went on for a long time.
Water damage that’s usually covered
- A pipe bursts, including one that froze in winter
- A water heater, dishwasher or washing machine suddenly leaks
- Water from the unit above leaks into yours
- An air-conditioning or heating system overflows
- Water used by firefighters to put out a fire
- A roof leak during a storm lets rain in and soaks your belongings
In these cases your policy pays to repair or replace your belongings, minus your deductible. If the damage makes your home unlivable, loss-of-use coverage can pay for somewhere to stay.
Water damage that’s usually not covered
| Situation | Why it’s excluded | How to get covered |
|---|---|---|
| Flooding from rising water, storm surge or overflowing rivers | Flood is a standard exclusion | Contents-only flood insurance (NFIP or private) |
| Sewer or drain backup | Excluded on most standard policies | Water backup endorsement |
| Slow, repeated leaks and resulting mold | Not sudden or accidental | Report leaks to your landlord right away |
| Damage to walls, floors and ceilings | The building belongs to your landlord | Landlord’s property insurance |
What if you caused the leak?
If your overflowing bathtub or a hose you left running damages the unit below or the building, the liability part of your renters policy can pay for that damage. Your own belongings are covered under personal property. How liability coverage works.
What if the upstairs neighbor caused it?
Your own renters insurance pays for your damaged belongings. Your insurer may then seek repayment from the neighbor or their insurer. You don’t have to wait for them to sort it out.
What to do right after water damage
- Stop the water if you safely can, and tell your landlord immediately.
- Photograph everything before you move or throw anything away.
- Move belongings out of the wet area and start drying things out to prevent more damage.
- Keep receipts for cleanup supplies or emergency costs.
- Contact your insurer and start a claim. Here’s the process.
New to this? Start with What is renters insurance?
This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.