So, if disaster does strike, how exactly does renters insurance cover tornado damage? There are a few different types of coverage included in a basic policy that can come into effect. First of all, if your personal belongings are damaged in the event, your policy will cover it.
This often even includes items that are lost or damaged while in your car. Secondly, your renters' insurance should cover the cost of repairs for damage that is not covered by your landlord's insurance. Your landlord's insurance covers exterior structures and common areas, but your policy will kick in for interior structures or even when your landlord reaches their policy limit. Finally, additional living expenses pay for things like hotel fees or the cost of buying or replacing food if your rental unit becomes temporarily uninhabitable.