Preheader

 

Get A Quote About Contact Home Page
  • Home
  • Get a Quote
    • Apartment/Condo
    • Automobile
    • Aviation
    • Boat
    • Business
    • Farm
    • Flood
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
  • Customer Service
  • Make a Payment
  • Claims
  • Resources
    • Refer a Friend
    • Hurricane & Flood Info
    • Louisiana Department of Insurance
    • Our Carriers
    • Insurance Glossary
  • Secure Area
  • Blog
  • Areas We Serve
    • Gulf Coast Region
    • Baton Rouge
    • New Orleans
  • About
    • About Us
    • Our Locations
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
 
McInnis Insurance Services, Inc.

Personal Business Life Entertainment Medical Professional
Home > Blog > Does Renters Insurance Cover Sprinkler Damage?
THURSDAY, JANUARY 12, 2017

Does Renters Insurance Cover Sprinkler Damage?

Apartment Complex with White Walls and BalconiesRenters often have questions about coverage. A common one is: Who should pay for damage or loss to a renter's belongings should a fire or flood happen?

The simple answer is "It depends." In most cases, your landlord's property insurance will cover the structure of the building. It will also usually cover the property owner's possessions.

However, the landlord's property insurance policy usually does not cover your possessions. To protect your possessions, you'll need to purchase renters insurance.

The Sprinkler System


Let's say there is an instance in which the sprinkler system within the building goes off, perhaps because of a fire or spoke in the building. Sprinkler systems can spray as much as 100 gallons of water in a single minute, and they're nearly impossible to turn off if you don't have special knowledge on how to do so.

With all this in mind, it's easy to see how one sprinkler mishap can lead to a significant amount of loss to your possessions. So, if this were to occur, who would be responsible for the damages?

In this instance, the owner's policy would cover the damage to the building itself. It also would likely cover items such as the carpeting and drywall in common areas.

However, the landlord's insurance probably wouldn't pay for the damages your unit sustains. Your renters insurance policy would likely be responsible for covering these losses in most cases.

But there are exceptions to this. For example, if you caused the sprinkler system to go off, such as by pulling on it, you could be liable for the damages that occur. Additionally, the property owner could file a claim against your renters insurance policy or even charge you for the damages outright. This is the case because the liability in such an instance is on you, not the property owner.

How To Minimize Your Risks


To minimize your risks of loss, invest in renters insurance. It is a worthwhile investment for the level of financial protection it can offer to you.

If you rent, invest in renters insurance customized to meet your unique needs. This plan will usually protect your finances in instances of property loss. Renters insurance can also protect your liability concerns.

Most renters insurance policies are inexpensive. Yet, the amount and level of financial protection they offer can be outstanding. Don't overlook the benefit of obtaining a policy.

We can help you find coverage. Call McInnis Insurance Services, Inc. at (844) 926-0860 for a free quote or click below.

renters insurance quote banner image

Posted 6:00 PM

Tags: renters insurance, water damage, sprinkler system, liability, coverage, insurance, mcinnis insurance services
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • insurance(34)
  • coverage(29)
  • home insurance(18)
  • mcinnis insurance services(16)
  • renters insurance(15)
  • auto insurance(15)
  • life insurance(13)
  • louisiana(10)
  • baton rouge(10)
  • protection(7)
  • baton rouge la insurance(7)
  • tips(6)
  • liability(5)
  • car insurance(5)
  • safety(5)
  • entertainment insurance(5)
  • business insurance(4)
  • policy(4)
  • spring storm tips(3)
  • homeowners(3)
  • car(3)
  • property(3)
  • premiums(3)
  • rates(3)
  • options(3)
  • condo insurance(3)
  • flood insurance(3)
  • costs(3)
  • new orleans(3)
  • value(2)
  • home(2)
  • baton rouge insurance(2)
  • motorcycle insurance(2)
  • damage(2)
  • life(2)
  • jewelry insurance(2)
  • belongings(2)
  • homeowners insurance(2)
  • auto(2)
  • renters(2)
  • accidents(2)
  • fire(2)
  • savings(2)
  • policies(2)
  • transportation(1)
  • at-fault(1)
  • exclusion(1)
  • summer(1)
  • beneficiary(1)
  • alarms(1)

View Mobile Version
icon Our Latest Blog
Read more >
icon What People Are Saying
Read more >
  • Progressive
  • CNA
  • Travelers
  • Liberty Mutual
  • Safeco
  • America First
  • America First
  • guard
  • gulfstates
  • lighthouseexcalibur
  • metlife
  • southernfidelity
Connect With Us: Facebook Twitter LinkedIn Google+ Yelp RSS
Icon

Visit Us

Agency
McInnis Insurance Services, Inc.
7814 Office Park Blvd
Baton Rouge, LA 70809

Phone: 225.926.0860
Toll Free: 844.926.0860
Fax: 225.923.3418
Icon

Site Links

Personal Insurance
Business Insurance
Life Insurance
Entertainment Insurance
Medical Professional Insurance

Hurricane & Flood Information
Make a Payment
Customer Service
File a Claim
Contact Us
Please note that we cannot bind insurance via email, fax or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used is not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.
© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
How Can We Help You?
or call us at
225.926.0860