Does renters insurance cover hurricane damage? Well, yes and no. The problem lies in that your insurance coverage is geared towards specific parts of a storm, rather than the whole thing. So instead of thinking of it as a hurricane, from an insurance perspective, you would think about it like this:
•Is there damage caused by flooding?
•Is there damaged by the wind?
•Do we have fire damage?
Things like wind, fire, or even lightning are generally going to be covered. Flooding, however, is a little bit different. Flooding is usually NOT covered by renters insurance and this is an important fact to know. If you live in a hurricane-prone area then you will want to prepare accordingly by purchasing a contents-only insurance policy specifically for floods. Otherwise, should the worst occur, you are going to be highly unlikely to recover this (often large) portion of your damages.