Does renters insurance cover natural disasters?

It covers certain perils like fire and windstorms but typically excludes floods and earthquakes unless additional coverage is purchased.

Standard renters insurance typically does not cover natural disasters like floods or earthquakes. However, you can purchase additional policies to cover these risks if you live in a high-risk area.

If you live in an earthquake-prone area, adding earthquake insurance to your renters policy can ensure you're protected against costly damage.

If you live in an area prone to natural disasters, explore additional coverage options to ensure you’re fully protected.