Renters Flood Insurance

New Orleans 3 years after Hurricane Katrina & ...

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Renters Flood Insurance

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Renters flood insurance is available so that you can insure your personal property against flood damage, even if  insurance for the actual construction part of your home is the responsibility of your landlord. Normal household insurance does not cover flood damage, and not a lot of people realize that!

What’s a Flood

It doesn’t matter where you live, you can be at risk of flooding even if you’re nowhere near to the water. Of course, some people are at a much greater risk of flooding than others, but did you know that around 25% of flood losses happen in moderate to low risk flood zones? No? Well, now you do . . . so even if you live in an area which has never flooded before, is miles from the sea and uphill from the nearest river . . . if you ever have reason to reach for an umbrella you can be the victim of the costliest type of natural disaster in America – flooding.

Floods can happen for many different reasons, some happen quick (flash floods), some happen slowly and stay around for ages (remember the Mississippi River in 1993, it just would not go away and hung around for 81 consecutive days . . . must have felt like a lifetime to those involved).  Anyway, according to the National Flood Insurance Program, a flood is “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property)” – that’s the smart policyholder who already has their flood insurance sorted out! Anyway, floods can be caused by:

  • the rapid and unusual run off surface waters . . . snow melt, torrential rain etc.

  • the overflowing of tidal or inland waters . . . rivers bursting their banks, unusually high and ferocious tides etc.

  • mudflows . . . flooding rarely involves nice clean sparkly water you know.

  • subsidence of land or collapse of structures along a body of water or shoreline causing exceedingly high amounts of water in waves or currents

Renters Flood Insurance

Renters flood insurance will pay out a maximum of $100,000 for your belongings, depending of course on how much cover you choose. With prices starting from around $50 per year to cover your belongings it really does seem like a small price to pay, don’t you think?

Click for more information on flood insurance.



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