Can Renters Purchase Flood Insurance?

If you are renting a home in an area that is subject to flooding, you may find yourself wondering if you can purchase flood insurance as a renter. This is a question that we get often at Pro America Insurance. Here are a couple of the questions you may have about this topic and the answers. 

Can Renters Purchase Flood Insurance? 

One of the biggest misconceptions out there is that renters cannot purchase flood insurance. Renters do have the ability to purchase a flood insurance policy. This policy helps to cover the belongings that are contained inside of their rental home. These policies are often capped at a specific amount, but the limits are typically high enough to cover all of the valuables the average person stores in their home. 

Do You Have to Have Renter’s Insurance to Purchase Renter’s Flood Insurance? 

If you do not currently have renter’s insurance and have decided that you do not want to purchase that type of insurance, you may wonder if you are still eligible to buy flood insurance. Flood insurance is separate from a regular renter’s insurance policy. As such, you can obtain a flood insurance policy even if you do not have renter’s insurance. Additionally, the property owner’s insurance policies have no bearing on your right to purchase a policy. Whether or not the property owner carries flood insurance will not have a bearing on whether you can or cannot purchase a renter’s policy. 

If you are renting a condo, apartment, home or other dwelling and are looking to purchase flood insurance to protect your belongings, Pro America Insurance can help find the right policy for your needs. Call us now to schedule an appointment to sit down with one of our insurance agents and discuss your flood insurance needs.