Does Renter’s Insurance Cover Tornado Damage?

If you’re a renter, you may be aware of the importance of renter’s insurance in protecting your belongings. It often provides reimbursement for theft. However, many renters also lose everything when there’s a natural disaster, such as a tornado. So, does renter’s insurance cover tornado damage?

Windstorm Damage

Many renters’ insurance policies include windstorm coverage, which means your policy may cover damage to your belongings due to a tornado. This coverage includes damage to personal belongings you have inside or outside the home, but it won’t cover damage to the building itself.

Exclusions Apply

Most renters insurance policies in Highland Village, TX, specifically exclude natural disasters, such as floods or earthquakes. There may be fine print that excludes tornadoes, too. It’s always important to speak with a professional at Thompson Insurance Services to ensure you’re covered during common natural disasters.

Common Coverage

These insurance policies commonly cover your personal belongings. However, the landlord’s homeowner’s insurance policy covers damages to the structure. Some policies include additional coverage for lodging expenses. Cars on the property usually aren’t covered because car insurance policies cover them.

Every Policy Is Different

Renter’s insurance tends to differ from one company to the next. Some include lodging expenses as a standard part of the policy, while other companies require you to purchase additional coverage for reimbursement for lodging. Consider what you want in your insurance policy, and then contact a professional agent to ensure you have the coverage you need.

Here at Thompson Insurance Services, we understand the importance of proper coverage. Our agents will work with you to understand your needs and create a policy to protect you during a crisis. Contact us today to learn more. We’re currently serving the Highland Village, TX, area.