If you leave a window open during a storm and your furniture is damaged, your renter's insurance would not cover the cost of replacing your property. For example, if water dripping from another flat or from the roof falls on your leather sofa or television and destroys it, you may be able to file a claim with your insurer. If a window breaks during a storm due to a violent wind or falling debris, your renters' policy may cover any damage to your property due to water ingress. Renters insurance covers water damage in some common situations you might face if you are a renter, such as accidental overflows or a water discharge.
Neither renters insurance nor your landlord is responsible for covering flood damage to your personal property. Unless your insurer includes this protection for an additional cost, you would have to pay out of pocket for the replacement of your property if the toilet flushes outside sewage onto your things. In that case, your tenants' insurance would pay the legal costs, even if you lost the case. The good news is that your renters insurance protects your property from rain and storms under certain conditions.
Your renters insurance does not apply to storm damage if you are responsible for rain entering your home. If you are concerned about flooding ruining your property, you should consider purchasing specific coverage through the National Flood Insurance Program. Your renter's insurance probably also excludes damage caused by water seeping into sewers or drains. Although damage to your flat is not relevant to your insurance personal property protection, you may need to file a renters insurance liability claim.
Similarly, your insurance policy will probably not cover damage caused by groundwater seepage. If a storm destroys your home, your renters insurance will also cover living expenses while you find housing elsewhere. However, your insurance may not cover your expenses if you left the toilet backed up until it overflowed and ruined the floor. Renters' insurance covers damage to your property caused by the flooding of your toilet due to an accidental overflow or spillage.