Renter insurance policies typically do not cover flood damage. Flood insurance is a separate type of coverage that is usually not included in standard renter insurance policies. Flood insurance is typically offered through the National Flood Insurance Program (NFIP) or private insurance companies. It's important to note that flood insurance is generally recommended for individuals living in flood-prone areas or areas with a high risk of flooding. If you are concerned about flood damage, it's a good idea to check with your insurance provider to see if they offer flood insurance as an additional coverage option. Additionally, it's always a good idea to review your insurance policy and speak with your insurance agent to fully understand what is covered and what is not covered by your renter insurance policy.