Yes, renters insurance covers water damage from a toilet that’s flooding or leaking, as long as it was caused by accidental overflow or discharge. If you flushed your toilet and it suddenly overflowed, or the pipes behind the wall burst and damaged some of your items, you’re covered.
As far as damage to the physical property goes, like the floors, walls, or pipes, your landlord is responsible for repairing the damage. If they sue you for damages and you’re deemed at fault, renters insurance will also cover you under personal liability protection.
When doesn’t renters insurance cover water damage from a toilet?
Renters insurance won’t cover damage from a toilet if the leaks were caused by:
- Negligent flushing: If you kept flushing after your toilet clogged, you’re at fault, and you won’t be able to file a claim.
- Frozen pipes bursting due to negligence: If you weren’t living at the premises during the time of the damage, many insurers won’t cover you if you don’t take reasonable precautions to heat your rental or remove water from the pipes during freezing temperatures.
- Sewage or drain backups: If your toilet leaks for these reasons, you won’t be covered. You may be able to purchase a sewage or drain backup rider to get more coverage.
- Flooding: To get coverage from external flood damage, you’ll need to purchase separate insurance.