Does USAA Renters Insurance Cover Flooding? 
-- > Normal 0 My response to that question would be a little different . Most homeowner and tenant-homeowner -LRB- Renter -RRB- type policies may cover certain types of damage to your property but most if not all will include a Water Damage exclusion . That exclusion says , in so many words , we dont cover you for a loss caused directly or indirectly by water damage . Then it defines water damage to include flood , surface water , overflow of a body of water , back up of sewers or drains , water which seeps or leaks through a foundation and a few other things . So I guess it would be fair to say if water is on the ground and somehow it gets into your home and causes damage , chances are pretty good your homeowners coverage will not cover it . Its also true ; you can purchase a separate government supported Flood insurance policy . But that Flood policy will only cover you for certain types of water damage . Flood policies define a flood only to mean an inundation of two or more acres of normally dry land or two or more properties , one of which is yours . So even if you have homeowners and flood insurance , there will still be certain types of water damage you wont be covered for . I support homeowners considering the purchase of flood insurance . Just make sure you know what this coverage is or is not going to do for you . Its not going to cover you for all types of ground water entering your home . 