Does renters insurance cover hurricane damage?

My family and I are moving to a different state next month, and our new city has a high risk of hurricanes. We’re just renting a place, so we’ll only be able to buy renters insurance. Does renters insurance cover hurricane damage?

Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on the move—and it’s great that you’re thinking ahead! Unfortunately,
renters insurance
won’t cover hurricane damage.
Hurricanes can cause damage to your home due to wind and flooding. While wind damage is usually considered a
named peril
under renters insurance (meaning it’ll be covered), flooding from external sources and weather events generally won’t be covered.
To protect yourself fully against hurricane damage, you’ll have to purchase an additional flood insurance policy. Since you live in a hurricane-prone area, you might face relatively high rates—but it’s definitely better to be safe than sorry when it comes to protecting your belongings!
While renters insurance will not protect you in this situation, this is a good time to double-check that your insurance covers you elsewhere. To find the best coverage at the best rate, download the
In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from the top insurance companies and Jerry takes care of the rest—securing your new policy and helping you cancel your old one.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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