Actually, while getting renters insurance is a good thing, I don't technically think a renter can get flood insurance, and that would be the owner of the properties responsibility anyways. Usually when I move into a rental, I am under the presumption that a) the owner has insurance and b) its not built in a place that will flood all my belongings on one random rainy night. I think the problem is the management of these places had neither. Stop blaming the tenants for the managements screw-ups.