What Is Covered With Renters Insurance Water Damage? 
Water damage is a leading cause of property losses . In the tenants policy provided by most insurance companies , damage from water coming into the house from outside is not covered -LRB- flood insurance is available . -RRB- Damage that is caused by water that comes from the backup of a sewer is also not covered unless that coverage has been elected . If the loss comes from seepage or leakage it is also excluded unless it is caused by accidental leakage . Even if damage is covered repairing or replacing the system that caused the leak is not covered . 