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If you are looking to purchase renters insurance, you may be wondering, "does Assurant cover water damage?" Assurant offers various coverage options, including $6-$24/month for storage units, but specifics vary by policy and damage type.
The good news is that Assurant renters insurance does cover water damage in most cases. For home insurance, it will depend on the nature of the water damage and whether you have included flood insurance as a part of your policy.
If you have Assurant insurance with T-Mobile, your device may also be covered for water damage.
Be sure to use our free quote tool above to find and compare rates for renters insurance in your area today.
What You Should Know
- Assurant offers renters, phone, and flood insurance
- Assurant covers most water damage in its renter's insurance policies
- Assurant phone insurance with T-Mobile covers most water damage instances
Assurant Renters Insurance Coverage
Depending on the nature of the water damage to your rental home you are left to wonder if tenant insurance covers water damage, Assurant may cover the damage completely, though you will still have to meet your Assurant insurance deductible. See table below:
| Source | Coverage | Notes |
|---|---|---|
| Burst pipes | Yes | Sudden and accidental pipe bursts are usually covered |
| Overflow from appliances | Yes | Accidental overflows from washing machines, dishwashers, etc. |
| Rainwater | Yes | If it enters through a damaged roof or walls |
| Mold resulting from covered water damage | Limited | May have coverage limits or require additional endorsement |
| Sewer backup | Maybe | Often requires additional endorsement |
| Flooding from natural disasters | No | Requires separate flood insurance |
| Gradual leaks | No | Damage from long-term leaks is typically not covered |
Assurant renter's insurance reviews state that Assurant offers the following with its renter's insurance coverage:
- Fire
- Lightning
- Smoke
- Explosion
- Theft
- Hail
- Wind
- Vandalism
- Ice, snow, and sleet
- Pipe bursts
- Vehicles
- Riots
- Volcanic eruptions
Though water damage is not explicitly stated on this list, Assurant makes a claim on its website that the company offers coverage for water damage that results in mold, fungi, and dry rot.
Additionally, the company includes flood coverage in select states as a part of its renter's insurance coverage.
Assurant will allow renters to add specialty coverage options to their policies. One of the specialty options included is coverage for water and sewer backups. So if you add this to your policy, you would potentially be covered for any water damage to your rental home.
Read More: A Practical Guide for Understanding Renters Insurance
Assurant Renters Insurance for Storage Units
The only way Assurant insurance will cover items you have in storage units is if you have purchased coverage for that unit. The exception to this would be if the storage unit is on your rental property and considered a part of your rental home.
If you have items in storage in a location that is not the same as where you live, you should purchase additional rental coverage to make sure all of those items are insured and covered if something bad happens.
Coverage costs for a storage unit with Assurant vary based on the size of the unit and the coverage amounts you wish to purchase. Most renters insurance for storage units can cost anywhere from six dollars to $24 per month.
Read More: How To Get Storage Unit Insurance
Assurant Water Damage Coverage With Home Insurance
In order to have water damage covered with Assurant for your personal home, you will need to have a flood insurance policy, and the water damage will need to be a direct result of flooding on your property.
Assurant flood insurance covers virtually any damage that is the direct result of flooding on your property. This coverage includes, but is not limited to:
- Your home and its foundation
- Electrical systems
- Plumbing systems
- HVAC equipment
- Kitchen appliances
- Carpeting and flooring
- Bookcases and cabinets
- Windows and blinds
- Detached garages
If you have a flood policy with Assurant homeowners insurance and any of the items listed above have water damage as the direct result of a flood, you will get coverage for those items once you've paid your flood insurance deductible.
Assurant Phone Insurance Coverage
Assurant offers phone insurance coverage through its affiliation with T-Mobile. If you're wondering, "does T-Mobile Assurant cover water damage" or "is water damage covered by phone insurance" the answer is yes.
T-Mobile Assurant phone insurance does cover water damage to your phone. The T-Mobile website explicitly states that it covers a phone if you accidentally drop it in water. That's great news for anyone who has a bad habit of dropping their phone at inopportune moments.
Assurant's T-Mobile insurance with water damage policy protects your phone and also includes:
- Hardware service issues
- Mechanical breakdowns
- Accidental damage
- Loss
- Theft
- Destruction
If you currently have a phone with T-Mobile and are interested in adding Assurant phone insurance to your monthly plan, call a T-Mobile representative to learn more or file an Assurant phone insurance claim.
Read More: Homeowners Insurance Claim Check Questions
Before you switch to T-Mobile water damage insurance, you should shop around to see if other phone companies offer similar or better deals on insurance coverage for your devices.
Buying Assurant Insurance for Water Damage
You will need to shop around online and compare quotes from multiple companies before you decide whether Assurant insurance products work best for you.
Do your research on Assurant insurance reviews and compare monthly rates for insurance coverage from several different companies before committing to anything. This will help you make sure you never overpay for coverage, and you end up getting what you need.
In fact, you can use our free quote tool below to find and compare renters, home, and phone insurance rates with top companies in your area today.
Frequently Asked Questions
Is Assurant a good insurance company?
Assurant is a good insurance company due to various insurance products, including renters, phone, and flood insurance. Their coverage options and customer satisfaction vary by policy type.
Does renters insurance cover water damage?
Assurant renters insurance typically covers water damage, depending on the cause. It may include coverage for mold, fungi, and dry rot resulting from water damage.
Read More: Assurant Renters Insurance Review
Do I need flood insurance as a renter?
While not always required, flood insurance for renters can be beneficial. Assurant offers flood coverage in select states as part of their renters insurance.
Does Assurant have car insurance?
Assurant primarily focuses on renters, phone, and flood insurance products. If you're looking for car insurance, our guide on the best and cheapest car insurance companies can help you find suitable alternatives.
Does Asurion insurance cover water damage?
Assurant's phone insurance through T-Mobile covers water damage, including accidental drops in water. Make sure your home is protected by entering your ZIP code into our home insurance comparison tool below today.
Does full coverage cover water damage?
Full coverage typically includes comprehensive insurance, which may cover water damage. Specific coverage depends on the policy and cause of damage.
Does renters insurance cover flood damage to personal property?
Standard renters insurance usually doesn't cover flood damage. However, Assurant offers flood coverage in some states as part of their renters insurance.
Does renters insurance cover water damage to property?
Assurant renters insurance generally covers water damage to personal property, depending on the cause and policy specifics.
Read More: Best and Cheapest Renters Insurance
How long does it take for Assurant to approve a claim?
Claim approval times vary depending on the type of claim and circumstances involved.
How to file a claim with Assurant?
Contact Assurant's customer service or use their online portal to initiate the claims process.
What does renters insurance cover?
Assurant renters insurance typically covers personal property, liability, additional living expenses, and may include water damage and flood coverage in some states. (Learn More: How To Cancel Assurant Renters Insurance)
Will phone insurance cover water damage?
Yes, Assurant phone insurance through T-Mobile covers water damage, including accidental drops in water.
Does Assurant cover lost phones?
Yes, Assurant's phone insurance through T-Mobile covers lost phones. Their policy includes protection for loss, along with theft, accidental damage, and water damage.
Does Protection 360 cover water damage?
Assurant's phone insurance with T-Mobile, which may be similar to Protection 360, covers water damage to phones.
Secure cheap insurance for your home by entering your ZIP code into our free quote comparison tool below.