Yes, USAA renters insurance covers floods, but only in certain circumstances. While USAA renters insurance typically covers your personal belongings, certain natural calamities such as sinkholes, earthquakes, wildfires, and floods may be specifically excluded from most policies.
Notably, while USAA renters insurance may cover flood-related damage to your personal belongings, it often does not cover damage to the building’s structure. As the building’s owner, the landlord is typically responsible for acquiring a separate insurance policy to cover catastrophic damage from natural catastrophes, such as flooding.
If you are unsure whether or not your USAA renters insurance covers flooding, you should contact your agent for further information. They are able to explain the sort of coverage you have and the types of damages covered by your policy. In the event of a flood, they can also offer guidance on how to safeguard yourself and your things.
In conclusion, USAA renters insurance may cover floods, but it is crucial to understand the type of coverage you have and the exclusions. Thus, you may rest assured that you are adequately covered and protected should the worst occur.