Short answer
- Your belongings — usually covered for sudden leaks.
- Hotel and extra costs if the unit is unlivable — often covered (loss of use).
- The building itself — usually the landlord’s policy, not yours.
- General information, not insurance or legal advice — your policy and situation decide.
Often excluded
- Flood from outside water — see flood insurance
- Sewer backup unless you have that endorsement
- Damage from long-term leaks
- Mold beyond policy limits
First steps for tenants
- Tell the landlord or property manager right away, in writing.
- Photograph your belongings and the damage.
- Move items out of the water.
- Call your renters insurer.
- Keep receipts — see loss of use.
See rental water damage — tenant and landlord and leaks from the unit above.
Leak in your rental?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Water damage services · Insurance claims · Documenting damage
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