Standard policies usually exclude floods, earthquakes, pest infestations, and your roommate's belongings unless specifically added.

Renters insurance does not cover the building structure (your landlord's responsibility), high-value items without special endorsements, intentional damage, or risks like floods and earthquakes unless you purchase additional coverage.

If a flood damages your rental unit, renters insurance won’t cover it unless you have additional flood insurance. However, damage from a burst pipe would likely be covered.

If you live in a high-risk area for floods or earthquakes, talk to your insurer about adding separate policies for those risks.