Does Allstate Renters Insurance Cover Flood? 
I used to be an Allstate agent , but it does n't matter where you purchase your Renter 's policy . Flood is exluded on the policy . Butif you have water damage from a pipe breaking or the toilet over flowing , those type of water damages would be covered.If you areworried about flood , you can buy flood insurance even if you dont ' liive in a flood zone and even if you rent . 