Does Renters Insurance Cover Evacuation? 
The standard renters insurance policy does not include ordinance or law coverage . Renters insurance does include `` loss of use '' coverage , which is triggered only in the event of a covered loss . If you are forced to evacuate from a wildfire , loss of use coverage would not kick in unless and until you had a loss from the fire . Evacuation is not a covered peril in and of itself . 