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Does Renters Insurance Cover Water Damage in Georgia?
Information has not been updated for a long time

Does Renters Insurance Cover Water Damage in Georgia?
2/18/2021
Does renters insurance cover water damage? Learn more in this article by ServiceMaster by LoveJoy.
It always helps to have a backup plan in case something unfortunate happens, which is why it is a proactive move to get an insurance policy when acquiring properties, such as a vehicle or a house. When it comes to renting an apartment or a living space, a renter can opt to apply for renters insurance. This helps protect the renter, their belongings and their living arrangements from unforeseen circumstances, such as a burglary. Rates for renters insurance may vary depending on the selected coverage and the insurance company.

Water damage is another problem that a renter needs protection from. Does basic renters insurance cover water damage, and if so, at what scope? ServiceMaster by LoveJoy discusses this policy in this article.


Basic Renters Insurance Coverage

Renters or tenant insurance is designed to cover the following:
  • Personal Property Coverage - this covers personal belongings such as jewelry, clothing, furniture, and other household items. Boats and other recreational items may need a separate policy. Always check the provisions of your policy when the loss or damage occurred while traveling or away from the home.
  • Personal Liability Coverage - this covers for damages caused to another person (e.g. an injury due to an incident that happens inside the rented property) or to that person's property.
  • Additional Living Expenses - this covers the cost of temporary living arrangements when the rented property becomes uninhabitable after a loss incident. This depends on the insurance company and the provisions of the policy applied for.

Is Water Damage Covered by Renter's Insurance?

A standard renters insurance policy may provide coverage for personal property losses caused by the following incidents:
  • Accidental or sudden discharge of water from a plumbing system or other appliance
  • Explosions
  • Fire and/or lightning
  • Fire sprinkler failure/accidental discharge
  • Freezing of plumbing systems
  • Smoke
  • Weight of sleet, snow and/or ice
  • Windstorm or hail
Again, it is important to note that the list above may vary depending on the type of the policy purchased and the insurance company, so check your policy thoroughly. When damage occurs, such as flooding from a broken pipe, most cases hold the landlord responsible for the repair of the broken pipes and any resulting structural damage. Any damaged personal property will have to be replaced by you. If this happens, immediately call your property manager and your insurance agent to ensure that your personal property is covered.


Water Damage Restoration and Cleanup?

Trust ServiceMaster by LoveJoy, Georgia's Best Water Damage Restoration Service Provider

It always helps to have a backup plan in case something unfortunate happens, which is why it is a proactive move to get an insurance policy when acquiring properties, such as a vehicle or a house. When it comes to renting an apartment or a living space, a renter can opt to apply for renters insurance. This helps protect the renter, their belongings and their living arrangements from unforeseen circumstances, such as a burglary. Rates for renters insurance may vary depending on the selected coverage and the insurance company.

Water damage is another problem that a renter needs protection from. Does basic renters insurance cover water damage, and if so, at what scope? ServiceMaster by LoveJoy discusses this policy in this article.


Basic Renters Insurance Coverage

Renters or tenant insurance is designed to cover the following:
  • Personal Property Coverage - this covers personal belongings such as jewelry, clothing, furniture, and other household items. Boats and other recreational items may need a separate policy. Always check the provisions of your policy when the loss or damage occurred while traveling or away from the home.
  • Personal Liability Coverage - this covers for damages caused to another person (e.g. an injury due to an incident that happens inside the rented property) or to that person's property.
  • Additional Living Expenses - this covers the cost of temporary living arrangements when the rented property becomes uninhabitable after a loss incident. This depends on the insurance company and the provisions of the policy applied for.

Is Water Damage Covered by Renter's Insurance?

A standard renters insurance policy may provide coverage for personal property losses caused by the following incidents:
  • Accidental or sudden discharge of water from a plumbing system or other appliance
  • Explosions
  • Fire and/or lightning
  • Fire sprinkler failure/accidental discharge
  • Freezing of plumbing systems
  • Smoke
  • Weight of sleet, snow and/or ice
  • Windstorm or hail
Again, it is important to note that the list above may vary depending on the type of the policy purchased and the insurance company, so check your policy thoroughly. When damage occurs, such as flooding from a broken pipe, most cases hold the landlord responsible for the repair of the broken pipes and any resulting structural damage. Any damaged personal property will have to be replaced by you. If this happens, immediately call your property manager and your insurance agent to ensure that your personal property is covered.


Water Damage Restoration and Cleanup?

Trust ServiceMaster by LoveJoy, Georgia's Best Water Damage Restoration Service Provider

When water damage strikes, entrust the restoration of your building materials, furniture, and personal items to the specialists at ServiceMaster by LoveJoy. We deliver safe, effective, and efficient property restoration services for residential and commercial properties, as well as the insurance market. Our range of water damage restoration services include water extraction and removalstructural drying and dehumidificationcleaning and sanitizingrestoration and repairssewage cleanup, and more. We utilize the latest technologies, practices, and procedures to perform a comprehensive service to any size project. ServiceMaster by LoveJoy is an IICRC-certified firm and a Preferred Vendor for some of the top insurance carriers in Georgia, promising to assist policyholders during their time of need.

Contact us at (678) 293-0297 for Conyers customers or (770) 983-6665 for Roswell customers. We are on-call 24 hours a day, 7 days a week, 365 days a year to respond to your emergency needs. We service clients in AtlantaRoswell Sandy Springs, Marietta, DecaturStockbridgeConyersMcDonoughStone MountainCovingtonSocial CircleDekalb County, Fulton County, Georgia and surrounding areas.

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Every year, thousands of homeowners are affected by water damage. Some factors can affect the costs of repairing a water-damaged home in Georgia. Learn more in this article by ServiceMaster by LoveJoy
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Call us at 678-293-0297! We are committed to providing the highest quality of Water Damage in Sandy Springs Georgia, Water Removal Sandy Springs Georgia.
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Articles and publications of other companies:

Many factors cause water damage. It occurs whenever water begins to collect someplace it shouldn’t, whether that be your kitchen floor, walls, the corner of your basement, or any area in your home.
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Water damage is a time-sensitive process. If the property isn’t dried promptly enough and with the right equipment, it can lead to mold issues
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Call (678) 264-3310 ServiceMaster of Roswell for water damage restoration, repair & cleanup service. We are on-call 24/7. Insurance Preferred Vendor
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Call (678) 264-3310 ServiceMaster of Alpharetta for water damage restoration, repair & cleanup service. We are on-call 24/7. Insurance Preferred Vendor
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Top 5 Signs of Basement Water Damage
Information has not been updated for a long time
Read about the sources, signs, and prevention of basement water damage in this article by ServiceMaster of Cobb, Georgia and Tennessee's leading disaster restoration, cleanup, and repair company.
10/22/2020
Business details
  • +1 (678) 293-0297
  • 700 Blacklawn Road Southwest Conyers, GA 30012
Since 1995, ServiceMaster by LoveJoy has been providing businesses and homeowners the highest quality of Water, Fire, Mold Remediation services.
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