Your renter's insurance will always say what is and what is not covered. Therefore, when looking into insurance plans it appears that most insurance policies typically do not cover flood damage or earth movement. In the case of flood damage, typical insurance does cover water damage to an extent, however, when it is a full-on flood, it does not fit under the policy. In the case that you are living in a flood-prone area, you can purchase separate insurance through the National Flood Insurance Program to help cover in the case of a flood. Furthermore, in the case of earth movement, which includes situations such as an earthquake, landslides, or volcanoes, there are also separate insurance plans that work for such events. Getting in touch with an agent is the best way to get to learn all your options and help you figure out which insurance plan is the best for you.