Does Renters Insurance Cover Water Damage? 
The fundamental question about water damage is the source of the water . If the water is entering the unit as the result of flood , the renters policy excludes coverage . If the water is entering the unit because of a burst pipe in the wall , the renters policy will cover . There is a special situation that needs clarification , sewer backup . If the water is coming into the unit through the sewer it is usually excluded , however , coverage can be purchased for a nominal price . 