# Renters Insurance: Fire and Flood Coverage | Who Pays the Repair?

> Your landlord's policy won't replace your belongings after a fire. Only your own renters policy does, and a standard renters policy does not cover floods.

**Who pays:** depends

Your landlord's insurance never covers your belongings, only your own renters policy does, and only for the perils it lists, excluding flood.

**Boundary:** A landlord's building policy never covers a tenant's personal belongings, only the tenant's own renters policy does, and only for the perils it lists; fire is generally a covered peril, while flood requires separate flood coverage regardless of whose building it is.

**Exceptions:** Flood is not covered by standard renters insurance and requires a separate flood policy.

## Sources
- [Renters insurance](https://www.iii.org/article/renters-insurance) — "Your landlord may have insurance to protect the building you are living in. But your landlord's policy won't replace your personal possessions or pay for your living expenses while the building is being repaired." (accessed 2026-09-27)
- [Renters insurance](https://www.iii.org/article/renters-insurance) — "Standard renters insurance protects your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water and other disasters listed in the policy. Floods and earthquakes are not covered." (accessed 2026-09-27)

_Last verified 2026-09-27. Source: Who Pays the Repair? — https://whopaystherepair.com/rules/does-renters-insurance-cover-building-fire-flood/ — every claim checked against a primary source before publication (see /methodology/)._