Renter's insurance policies vary somewhat by state and provider. However, water damage is typically included in a standard policy. The People's Law Library or Maryland specifically mentions that a county sewer backup causing damage to a tenant's property is covered. Coverage for flood damage, however, is typically excluded in both homeowners and renters insurance.
If you own the property in your rented home, it is typically covered as part of your renter's plan, including clothing, personal items and valuables. When you suffer water damage from a sewer backup, it is helpful to keep a list of damaged items and to have some receipts or documentation of their value. If you buy new furniture while renting, you should keep the receipt on file for proof of value.
- The People's Law Library of Maryland: Renters’ Insurance -- Why It Is a Good Idea
- Homesite Home Insurance: Types Of Damage And Loss Usually Covered By Renters Insurance
- Insurance Information Institute. "Homeowners Losses Ranked By Claims Severity (Average Claim), 2013-2017 (1)." Accessed Feb.28, 2020
- Insurance Services Office Inc. "Homeowners 3 - Special Form." Page 8-9. Accessed Feb. 28, 2020
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?" Accessed Feb. 28, 2020
- Insurance Information Institute. "Insure Against the Risk of Sewer Backup." Accessed Feb. 29, 2020.
- Insurance Information Institute. "Protect Your House From Sewer Backups." Accessed Feb. 29, 2020.
- Insurance Information Institute. "Spotlight On: Flood Insurance." Accessed Feb. 28, 2020
- Insurance Information Institute. "Facts+Statistics: Flood Insurance." Accessed Feb. 29, 2020
Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.