Does Renters Insurance Cover A Hurricane? 
Hurricane damage is covered in most renter 's policies with exceptions and limitations . Damage to the landscape may have incidental coverage . Certain items of personal property -LRB- money , jewelry , silverware , guns , for example -RRB- are subject to limits in the policy . If the damage is sustained due to flood , waves or an overflow of water that enters through an opening in the house or even through the sewer , damages may not be covered . If the direct cause of loss is power interruption , damages may not be covered . 