Renters Insurance serves to protect your personal belongings from damage from specific sources. The insurance policy will usually state the potential sources of water leaks and accidental discharges that will be considered.
In most cases, it includes radiators, plumbing, and air-conditioning. Thus, if your washing machine should malfunction or a pipe should burst and cause damage, you can claim for the loss of your personal property. Therefore, renters insurance will protect your property damaged by water leaks. This includes ceiling leaks such as when water drips from the roof or another apartment spoil your property. Toilet flooding is also covered under the renters' insurance policy as long as such flooding is an accidental discharge or overflow. Your insurance policy may not cover the flooding caused by long-term clogging, which you could have prevented.