Flood Insurance for Renters
Through your duties as an insurance agent, you already know the importance of flood insurance for your clients who own a home or a business. But you also know that renters need flood insurance too. Your clients might not realize that their renters insurance doesn’t cover flood damage–and their landlord won’t replace their property.
To help you help them, we’re giving you the key questions your clients will find answers for in our Flood Insurance for Renters Brochure . Some of these questions may be:
Do renters need flood insurance?
- In short, yes. If a flood sweeps through their area, their landlord’s policy won’t protect their belongings.
- Flooding can happen anywhere, even if your clients don’t live near water.
What NFIP flood insurance policy is available for renters?
- The NFIP offers a contents-only policy that is ideal for renters. It’s not renters insurance; it’s insurance specifically to protect their belongings in the event of a flood.
How much coverage does flood insurance for renters include?
- A contents-only policy will insure your clients for up to $100,000 of damage to their belongings. They can choose the level of coverage.
What does flood insurance for renters cover?
- In the bedroom …
- Clothing
- Their mattress and bedding
- Bedroom furniture
- In the bathroom…
- Bathmats
- Toiletries
- Shower curtains
- In the living room…
- Furniture such as couches and tables
- Rugs
- Books
- Their television set
- In the kitchen…
- Furniture, such as their kitchen table and chairs
- Their refrigerator
- Their kitchenware
Everywhere your clients live, they should know their flood risk, and make the choice to purchase flood insurance. Having flood insurance it’s the best way to ensure your clients are protected against the unexpected. Use our free NFIP resources to help market and sell flood insurance to renters near you. Stay up to date with the latest resources about flood insurance by signing up for updates from the NFIP.
