As weather patterns continue to change, it’s crucial to ensure you’re prepared for unexpected events. While Idaho isn’t typically known for tornadoes, that doesn’t mean they can’t happen in the future. The key is to have protection in place before an emergency arises. If you don’t own a home, renters’ insurance can provide valuable coverage to help you recover from disasters.

Covered Events

Renter’s insurance can reimburse policyholders for temporary lodging and the cost of replacing belongings lost due to a covered event. Most natural disasters, such as lightning damage, fires, and robberies, are considered covered events under standard policies. This coverage can provide peace of mind during challenging times.

Excluded Perils

While many natural disasters are included in renters’ insurance policies, some may be specifically excluded. For example, tornadoes and flooding are often excluded due to the high costs associated with these events. Insurance companies typically offer additional coverage options for these disasters. An agent at Idaho Select Insurance can help you review your policy and determine which events are covered.

Additional Coverage

Although tornadoes are rare in Meridian, ID, it’s still wise to prepare for the unexpected. Standard renter’s insurance will cover your belongings, but you should also ask about additional living expense coverage. This portion of your policy helps cover temporary lodging costs if your home becomes uninhabitable.

At Idaho Select Insurance, we understand the importance of being prepared for natural disasters. Our agents are here to help you find the coverage you need for peace of mind. Contact us today to discover your options. We proudly serve the Meridian, ID area.