You know that renters insurance protects you from risks listed in the policy. We call this “coverage on a named perils basis.” A “peril” is a type of loss that the policy protects your property from. “Named perils” just means that the policy covers your stuff against risks listed in the policy.
Do you know what all of these perils are? Do you know when they apply? At Effective Coverage, we believe in education. We don’t just offer insurance. We want to make sure that you understand what you’re buying and how it protects you. Advice from experts is just as important as reading your policy.
Let’s take a Denton, TX Renters Insurance policy as an example. Texas has almost four million renters. Every one of them should have a renters insurance policy, but only about forty-four percent do. That leaves more than two million people vulnerable to a wide variety of risks. People who have never had renters insurance before might not know enough about the policy, or why they need the coverage.
What Is The Peril Of Windstorm Or Hail? How Is It A Danger To My Property?
You can use the common definition of hail – pieces of ice falling from the sky. But what is a windstorm? A tornado would be an example, as would a hurricane. Windstorm or hail is a peril that is included in many policies, but not all. Some underwriters don’t offer the coverage in certain coastal parts of Texas. Effective Coverage works with a variety of underwriters to help you get the coverage that you need at a price you can afford.
Hail can break windows and cause other damage to your personal property. Windstorms can cause damage ranging from a few shingles to complete destruction of a building. Your personal property inside that building is at risk of the same damage.
How Does Renters Insurance Protect Me Against Windstorm Or Hail?
As a renter, you’re not responsible for the building. But many Texas renters insurance policies cover your personal property against windstorm or hail. The key is that the windstorm or hail must damage the building and cause an opening for wind, water, rain, or something else to get into the premises and damage your property.
If the hail breaks your window, and the rain damages your property, there is coverage. If the wind takes the roof off your building and blows away your personal property, there is coverage.
Denton, TX Renters Insurance generally includes coverage for wind. Your policy document tells you for sure..
Do I Have To Try To Stop The Loss?
If you live in an area prone to hurricanes, your landlord may board up windows in advance of a large windstorm. If not, and you’re capable, you probably should take care of it. But you’re not responsible to mitigate the loss during the actual windstorm or hail. You do not need to go out in a hurricane or tornado to protect property. That’s just common sense – your duty to mitigate the loss ends where a risk to your safety begins.
You do have an obligation to bring your property indoors to the extent possible, before the storm.
What’s Not Covered?
- Some policies exclude windstorm or hail.
- Flood, water moving along the ground, is never covered.
- Watercraft, trailers, and their equipment are only covered inside a fully enclosed building.
- Mobile homes can’t be insured against windstorm or hail on a regular renters insurance policy.
Should I Consider Extra Coverages Or Endorsements For Better Protection Against Windstorm Or Hail?
If your policy excludes the peril of windstorm or hail, you should consider looking for a policy which covers those losses. Everyone living in your household should be listed on the policy in the correct way, so that everyone’s property is covered.
While tornadoes offer less advance notice, windstorm or hail is a peril that you should not try to face on your own. In fact, if there is an evacuation order, you should obey it. Your policy also covers theft. If you evacuate and suffer a theft that’s a covered loss.
It’s important to read your policy carefully, because policy forms vary widely in Texas. Each underwriter has generally created their own policy forms. Your insurance expert can help you understand the differences between them.
To learn more about the peril of windstorm or hail, or to get covered quickly, just call (800)892-4308 or click to get covered - whether you need Texas renters insurance quotes online or coverage anywhere else!
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