Does Renters Insurance Cover Frozen Pipes and Water Damage?

Freezing temperatures may not be the norm in Texas winters, but they do happen. A cold snap can lead to frozen pipes and costly water damage. Shoop Insurance Agency LLC is here to help you understand these winter hazards and help you secure renters insurance.

Why Frozen Pipes Are a Risk

Even in Texas, sudden drops in temperature can cause pipes to freeze, especially in rental homes that aren’t built for harsh winters. When water inside pipes freezes, it expands and can cause the pipe to burst. Once temperatures rise, the thawed water can flood your home, damaging walls, floors, furniture and personal belongings.

How Water Damage Impacts Your Rental Home

Water damage from burst pipes can be extensive. It may lead to:

• Structural damage to your rental home
• Mold growth, which can be hazardous to your health
• Loss of personal property, including clothing, electronics and furniture
• Temporary displacement if repairs are needed

Coverage for Frozen Pipes and Water Damage

Most renters policies may cover water damage to personal belongings caused by frozen pipes if the loss is sudden and accidental. It can also help with liability costs if the water damages another unit, and may help pay for temporary living expenses if the rental becomes unlivable. What’s typically not covered is damage to the building itself, since that is usually the landlord’s responsibility. Additionally, claims may be denied if the insurer determines that proper precautions weren’t taken to prevent freezing.

Secure Your Policy Today

Shoop Insurance Agency LLC helps Texas tenants get financial protection against winter weather risks. We can:

• Explain what your current policy covers and identify gaps
• Recommend additional coverage or endorsements
• Offer tips on preventing frozen pipes and minimizing water damage

Contact our team today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.