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I’m renting a townhouse, and we do run the risk of flooding from hurricanes during the late summer and fall. Do I need to purchase flood insurance, or will my tenant policy cover me?

April 26, 2017fall flooding hurricanes I’m late summer purchase renting risk run townhouse

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I’m renting a townhouse, and we do run the risk of flooding from hurricanes during the late summer and fall. Do I need to purchase flood insurance, or will my tenant policy cover me?

1 Answer

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A tenant policy, just like a homeowners policy, does not provide flood insurance coverage. Flood insurance is available from the federal government. Your landlord should have purchased flood insurance for the building structure. The landlord’s insurance will not cover your personal property—you should purchase a flood policy that will cover just your contents.