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Does renters insurance cover hail damage?
A horrible hail storm last weekend caused a lot of damage to the house I’m renting. While my landlord is quick to fix the roof and windows, I'm dealing with the fact that my living room was trashed. Does my renters insurance cover hail damage?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Picking up the pieces after a storm is always unpleasant. Thankfully, your landlord is addressing the structural issues. And another piece of good news—yes, your personal possessions are likely covered by your renters insurance policy.
Let’s review what renters insurance covers:
- Damage to or loss of personal property when caused by a covered peril such as fire, hail storms, and burst pipes (among others).
- If you’re living in a hotel while your landlord is making repairs, you likely can file a claim to help pay the hotel bill. Most policies cover loss of use, which essentially comes into play when you temporarily can’t live in a rental property.
- Renters insurance policies also include personal liability coverage and medical coverage if guests are injured while visiting you.
Once you meet your deductible, your renters insurance will help you replace your living room furniture. If you have Replacement Cash Value (RCV), you’ll receive money to replace the items. On the other hand, if you have Actual Cash Value (ACV) coverage, you will receive less, because ACV takes into account the depreciated value of your personal property.
Wishing you a speedy recovery from the storm!
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