I rented my home a few years back and a hurricane just passed the homeowner doesn't have insurance can I sue the homeowner? 9 Answers as of November 13, 2012 I rented my home a few years back and a hurricane just passed the homeowner doesn't have insurance and all of the things that we lost during the flooding, we can't get it back. He doesn't own insurance. Ask a Local Attorney. 100% Anonymous. Free Answers. Generally speaking you would have to look to your own renter's insurance for recovery of your own property. A landlord is generally not responsible for your personal property in a rented abode. There could be exceptions if he was somehow negligent in causing the damage, but in your situation, it would appear you may not be able to collect. However, there might be some FEMA money available, but I am not familiar with how to make a claim or how much time you have to make a claim under FEMA for victims of natural disasters. Do you have children, or does anyone else live with you? If so, do you think they should sue you for not having renter's insurance? I'm sorry you lost your stuff, but the contents of the home wouldn't have been covered by your landlord's homeowner's policy even if he had one, because the contents were yours, not his. And the landlord was under no obligation to insure your personal property. You should have had renter's insurance! The homeowner would