Here are some of the events your insurance will have covered:
• Fire and smoke
• Explosion and lightning
• Windstorms and hail
• Theft, vandalism or malicious mischief
• Car accident
• Falling objects
• Damage induced by ice, snow, or sleet
• Other natural perils
These conditions don’t vary too much between insurance companies and you should have a list of perils your belongings are covered against in your policy.
Depending on your insurance, some perils may not be listed or intentionally excluded from your policy. However, when your belongings are stored away from the rented home there is a limit on the amount of coverage you’re entitled to. That limit is usually 10% of your renter's insurance policy's property coverage. One more thing to keep in mind. If your home becomes uninhabitable due to a covered peril, your renter's insurance will cover the moving costs to your new temporary home while your rental home is being fixed.