The short answer
Renters HO-4 covers sudden and accidental water damage to your personal property — burst pipes, appliance failures, water from an upstairs unit. Excluded: flood (need NFIP or private flood), gradual leaks, and sewer/drain backup (add for $30–$50/year). Landlord's insurance covers the building, never your stuff.
Frequently asked
- Can I claim against the neighbor upstairs?
- Your carrier pays first, then subrogates against them if negligence is proven.
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