When dealing with floods, what is typically covered under a standard rental property insurance policy?

In the context of flood coverage under a standard rental property insurance policy, direct physical damage to the property is typically included. This means that if a flood causes physical harm to the actual structure of the rental property, such as walls, floors, and other permanent fixtures, that damage would be covered under the policy.

It's important to note that standard rental property insurance policies often have limitations regarding specific types of water damage, especially flood-related damage, which may not fall under the umbrella of standard coverage. Standard policies usually require a separate flood insurance policy to fully cover flood-related losses.

While other forms of water damage might not be covered, the focus of the rental property insurance is primarily on the direct physical damage to the property itself, distinguishing it from other forms of water damage that could stem from sources such as leaks or plumbing issues. This coverage is critical for landlords as it helps protect their investment in the physical aspects of their property against losses due to flooding.