When a home is unoccupied for a long period of time, the possibility for damage increases as vacant homes have an increased potential for vandalism, fire,
flooding from burst pipes, being infested with insects or other vermin and liability issues.
Not exact matches
The only time your rental home is covered by
flooding is if the
flood is
from an internal leak, and was caused by either a
pipe burst, leaking AC unit, overflowing bathtub, etc..
While there may be a few exclusions such as
flood (
Flood is never covered on renters insurance or homeowners insurance, whereas water damage
from a
burst pipe would be), this means that whatever happens to your belongings is covered.
If the «
flood» is actually water
from a
burst pipe, yes, that would generally be a standard covered peril.
One winter, they forgot to drain their water lines and upon return to the cottage in the Spring, they found a massive
flood from a
burst internal
pipe in the basement.
Note that manufactured home policies may cover water damage
from burst pipes, but rarely cover
flood damage.
Renters insurance covers you against losses
from fire or smoke, lightning, vandalism, theft, explosion, windstorm and certain types of water damage (such as
from a
burst pipe or when the tenant upstairs leaves the water running in the bathtub and
floods your apartment).
(
Floods can happen anywhere,
from a basement apartment for rent in New York, NY, to a
burst pipe in Tucson, AZ..)
For instance, if your property is damaged
from a bad storm or a
burst pipe, you would typically be covered; but you would be vulnerable if that same storm caused a creek nearby to rise over its banks,
flooding your basement.
For instance, an upstairs tenant's leaky bathtub or
burst pipe flooding your apartment is covered, while damage
from an actual
flood most likely won't be.
Note that manufactured home policies may cover water damage
from burst pipes, but rarely cover
flood damage.
A
burst pipe, on the other hand, is separate and distinct
from flood.
You and your family are theoretically at some kind of risk
from day one, whether it is
from fire or another peril such as
burst pipes that cause
flooding.
Aside
from fire, the individual living above you may have
pipes that
burst and this causes a
flood in your apartment, but your Yakima renters insurance will help.
If your roof is damaged
from a storm or your basement
floods due to a
burst pipe, you need the right coverage in order to be fairly compensated.
Guardian Leak Prevention System wants to protect your home
from burst pipes and
flooding, complete with remote access via Android and iOS.
The most common reasons are water damage
from a
flood,
burst pipes or a leaky roof.
So very much damage
from that
pipe that
burst open and
flooded our newly refinished basement.