Does Renters Insurance Cover Hurricane Damage?

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   Pete Wittman

   President, The Wittman Group, Tennessee

   The property coverage you are afforded under renter's coverage is for your personal property (furniture, tv, audio systems, clothes, dishes, etc), but typically not for the building.  If you are asking if your own personal property would be covered if a hurricane caused the damaged, then, yes, your personal property would be covered.  However, there is one caveat... if it was wind that was determined as the cause of loss.  Hurricanes can cause damage not only by wind, but by flooding.  If flooding (waters rising from outside) was the cause of loss, you may not be covered, because flood is typically excluded.  You could possibly purchase flood coverage in this case.

   Answered on April 18, 2014

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