Renters Insurance & Houston’s Severe Weather: What to Know as Storms Rage Throughout the Area 

HOUSTON — Renters insurance for residents in the Houston area typically covers various types of damage to personal property, including damage caused by certain weather events. Here’s what you need to know:

What Renters Insurance Covers

1. Personal Property: This includes coverage for your belongings such as furniture, electronics, clothing, and other personal items. Standard renters insurance usually covers damages caused by:
     – Fire or smoke
     – Theft
     – Vandalism
     – Water damage from plumbing, HVAC, or appliance issues
     – Windstorms, including hurricanes and tornadoes (specific to Texas policies)
2. Liability: Protects you if someone is injured while in your rental or if you accidentally cause damage to someone else’s property.
3. Additional Living Expenses (ALE): If your rental becomes uninhabitable due to a covered peril, this covers the cost of temporary housing and other living expenses.

• Related: WHAT TO KNOW ABOUT FLOOD SAFETY IN THE HOUSTON AREA

Weather Damage

• Wind and Hurricanes: Given Houston’s susceptibility to hurricanes, most renters insurance policies in the area include coverage for wind damage. However, there may be separate deductibles for hurricane damage.
• Flooding: Standard renters insurance does not cover flooding from natural disasters like hurricanes or heavy rains. For flood coverage, you need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers.
• Tornadoes: Damage from tornadoes is generally covered under windstorm damage.
• Hail: This is typically covered under standard policies.

Special Considerations in Houston

• Hurricane Deductibles: These are usually higher than standard deductibles and are often based on a percentage of the insured value of the property.
• Flood Zones: Houston has many areas prone to flooding. Residents should strongly consider purchasing separate flood insurance.

Tips for Renters in Houston

1. Evaluate Risks: Assess the risk of flooding in your area and consider purchasing flood insurance if necessary.
2. Understand Policy Details: Review your policy to understand what weather-related damages are covered and the specific deductibles.
3. Inventory Your Belongings: Keep an updated inventory of your personal property with receipts and photos to expedite claims in the event of damage.
4. Check for Additional Coverage: Consider endorsements or additional coverage for valuable items not fully covered under a standard policy.

By understanding the specifics of renters insurance in the Houston area and considering additional coverage for high-risk weather events, you can ensure better protection for your belongings and peace of mind.