Does Renters Insurance Cover Hurricanes 
A renters policy provides coverage for damage that is the result of a covered peril . Since there is a wide variety of forms this can not be answered for every case , however , most policies list windstorm or hail right after fire and lightning . These are the fundamental coverages contained in most policies . The coverage has some limitations . The company will normally not pay for loss to property inside a structure , caused by dust , rain , sand , sleet , snow or water , all whether driven by wind or not , which enter through an opening not made by the direct force of wind or hail . The company is not likely to pay for the loss to watercraft and their trailers unless inside a fully enclosed building . Smaller water craft normally have coverage . If your property damage is subject to ordinance or law , such as a connection for an appliance , there might be a limitation on the increased cost of replacement that comes because of that law or ordinance . If the hurricane causes landslides or erosion , damage to your personal property arising from that movement of land might not be covered either . The same is true if the damage comes from flood water or tidal waves . This exclusion applies whether it is caused by wind or not . If the hurricane interrupts power supply the insurance company probably will deny coverage on any loss that result from that cause , for example rotting food in a freezer . If you are running a business out of your apartment , the company will probably exclude any loss that comes from that business to include interruption because there isnt power or people can not reach your apartment . The chances are quite good that if a hurricane strikes your apartment , that your renters policy will replace your property up to the limits of the policy . This is when you find out how good your coverage is . If you have appropriate limits you could be fully restored , minus the deductible . It is very important to have the correct limits for coverage on your renters policy . To make sure that you have adequate coverage take a picture of everything that you own inside your apartment . Then make a chart showing the property and the estimated cost of replacing the property . When you add up that list you will have the amount of coverage you should set as a limit for your policy . The pictures and estimates should be stored off-site in case that hurricane becomes a reality . Hurricanes often result in a loss of life . While that might seem remote , this might be a good time to consider what will happen to those that you leave behind . A quick inventory of debts would be a good thing to have handy . If you can eliminate debts and pay for final expenses you would be a great help to those that you love . Every weekend we see people on street corners seeking donations or offering car wash services so they can pay the expenses for a loved one . It is sad but it can be avoided with just a small amount of planning . 