Does Renters Insurance Cover Natural Disasters? 
Typically , a Renters Insurance policy works the same way as any residential policy with respect to covered losses . For the most part , there are two loss causes that are excluded from coverage , namely Earth Movement and Flood . Coverage for Earth Movement may , in many cases , be endorsed onto the policy , but the only way to have coverage for flood damage is to have a Flood Insurance policy . It is important to discuss this with your Insurance Professional to see how your policy works . If you are renting a property in a coastal area , for example , there may be coverage limitations in your policy for damage caused by wind or hurricane . 