Does Renters Insurance Cover Leaks? 
A renters -LRB- tenants -RRB- policy does not cover the residence . If there is water damage to your personal property -LRB- furniture , clothes etc. -RRB- the policy will probably provide coverage . The nature of the loss is important . If it comes from water entering the house from outside or backing up through the sewers , then it is probably not covered . If it is the result of a sudden breaking of a water pipe in the wall , then it probably is covered . The gray area comes with a slow leak and damage it might cause . The issue then is when was the leak detected . If it was allowed to continue after discovery for a period of time , a resultant claim might not be honored . You always have a responsibility to reduce your exposure and that would include notifying someone that something is leaking in the rental unit . 