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