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Does renters insurance cover tornado damage?
I just moved to an area that experiences tornadoes. I’m excited about my new job, but a little freaked out by that whole tornado thing. Does renters insurance cover tornado damage, or do I need some other type of coverage?
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your new job and your new apartment! But yeah, we know what you mean about tornadoes. They’re easily one of the scariest weather phenomena you’ll come across in the United States. Stay safe!
Onto your question: yes, tornado damage is usually covered by renters insurance. Most storm damage is covered actually, which can include damage from wind, hail, lightning, and falling objects. And all of those things typically accompany tornadoes, unfortunately.
Two natural disasters aren’t typically covered by renters insurance or home insurance for that matter: flood damage and earthquake damage. Protecting yourself against those phenomena requires special coverage and costs more.
If a tornado does cause damage to your apartment, your renters insurance will cover your belongings up to their actual cash value (the price they’d reasonably sell for today) or their real cash value (the cost to replace those items), capped at the amount of coverage you’ve invested in.
It’s not uncommon when moving into an area with extreme weather to invest in more coverage than you need. But you should take your time to calculate the value of your belongings, including both their actual cash value and real cash value, so you know how much coverage you need.
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