What is covered by home owners insurance during hurricanes when I’m a renter

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 27, 2012

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Insurance Question from Colonial Beach, VA

Asked on 10/27/2012

What is covered by home owners insurance during hurricanes when I’m a renter I'm a renter and don't have renters insurance. In case of a hurricane who pays for the damages and can I claim.damages under his insurance if thereare

Answer given on October 29, 2012

If you are a renter of a home, you should have renters insurance. You may also need to purchase a separate policy to cover hurricanes, as in some states, the renters insurance does not automatically include hurricane coverage. Talk to an insurance agent and see if hurricanes are covered automatically by the renters insurance or not. If it is not a part of the renters insurance, you will probably be required to buy renters insurance before you can buy hurricane insurance.The owner of the home you are renting will have a policy that covers them for damages to the home. Again, hurricanes may or may not be included in the policy. However, your landlord’s insurance will not provide any coverage for your personal property. They would also not be responsible for damage to your personal property, since a hurricane is not something they could control.

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