Does Renters Insurance Cover Hurricane Damage? 
The property coverage you are afforded under renter 's coverage is for your personal property -LRB- furniture , tv , audio systems , clothes , dishes , etc -RRB- , but typically not for the building . If you are asking if your own personal property would be covered if a hurricane caused the damaged , then , yes , your personal property would be covered . However , there is one caveat ... if it was wind that was determined as the cause of loss . Hurricanes can cause damage not only by wind , but by flooding . If flooding -LRB- waters rising from outside -RRB- was the cause of loss , you may not be covered , because flood is typically excluded . You could possibly purchase flood coverage in this case . 