COVENTRY TOWNSHIP, Ohio -- Renters insurance doesn't necessarily cover your property when it comes to flooding.
Terri Potts is finding that out the hard way. She lived in her townhouse for 14 years and always had renters insurance.
Last week, floods hit her area of Coventry Township. Her walls, ceilings and staircase collapsed. Everything she had inside is gone.
But she found out, her renters insurance didn't cover flooding. And her landlord doesn't have flood insurance either.
According to representatives with the Ohio Insurance Institute, ideally both renters and landlords should carry flood insurance. Renters flood insurance would cover possessions. Landlord flood insurance would cover the structure.
Both are separate policies obtained through FEMA. Before you rent, ask the landlord if he or she has flood insurance.
If so, what type of protection does it extend to you as a renter. If it doesn't cover your possessions, add a flood policy to your renters insurance.