Does Renter’s Insurance Cover Flooding?

If you have never purchased renter’s insurance, or are unsure about the details of the policy, you may have many questions about the scope of the coverage that the policy offers. One of the most common questions about renter’s insurance is whether or not it covers flooding and water damage. Unfortunately, most renter’s insurance policies do not cover damage from flooding. 

Protection From Flooding

If you are renting in an area that is prone to flooding or is near a coastline that has frequent storms, you will have to purchase a separate flood insurance policy in addition to your renter’s insurance policy to give yourself complete coverage from potential losses. Your insurance provider may offer flood insurance policies so inquire about it before making a decision.  Discuss your options with your insurance provider to gain more insight and become a more informed consumer. In most cases, they can offer you protection options that will give you the level of coverage you need. 

Working With Your Agent

Your insurance agent is one of the key elements in getting insurance products that benefit you and protect you from covered events. Discuss the fine print and terms and conditions associated with your policy. An informed agent can explain what is covered and what is not as well as coverage amounts. If you live in or around the NE Arkansas area, GTW Insurance is an excellent option for renter’s insurance coverage. 

For more information on renter’s insurance, call or stop by GTW Insurance. They proudly serve the residents of NE Arkansas. Get the insurance products you need to fit your lifestyle and protect you from the uncertainties of tomorrow.