Those in Longwood, FL do have coverage for hurricanes within their renter’s insurance policy. However, the amount of coverage and full availability does depend on several factors. For example, your policy should cover the items inside the structure, while your landlord should have an insurance policy to cover the building’s structure. 

For help determining the amount of hurricane coverage available, call our specialists at Express Insurance. 

Renters Insurance Coverage

A renters insurance policy generally covers the contents of an apartment or rental home. Some policies also cover items stored in a designated storage unit. This type of insurance only covers what is inside the dwelling and not the structure. Your landlord is the one responsible for carrying insurance on the structure. 

Hurricane Damage Coverage

If an insurance policy covers you depends greatly on the damage and the cause of it. For example, hurricanes have damage-causing elements, such as wind, hail, and lightning. Damage caused by these elements would be covered under a renters insurance policy. However, unless there is flood coverage within the policy, you may not be covered in the event your rental unit becomes flooded during the hurricane.

Should your personal belongings become damaged during the hurricane, your renter’s insurance policy should cover the replacement costs. Additionally, if the rental unit becomes inhabitable after the storm, you may receive additional living expenses to find a new place to live. 

Evacuation Expenses

Sometimes a hurricane prompts evacuations in the area. Generally, renters insurance does not cover evacuation expenses. However, some insurance companies include prohibited-use clauses in their policies, which may help cover some costs associated with a forced evacuation. 

Many tenants opt not to get renters insurance, but they could lose all of their items inside their rented unit when disaster strikes. Do not let this happen during hurricane season in Longwood, FL. Contact Express Insurance today for additional information about renters insurance and hurricane coverage.