Does renters insurance cover tornado damage in Tennessee

When you're renting, you may think that coverage is less important, but it's not. Your personal belongings are at risk when you're not correctly insured from the elements. Fortunately, Tennessee homeowners insurance has a policy for renters that can help protect their assets and mementos.

A Tennessee independent insurance agent will shop coverage so that you're covered for tornado damage and more. They'll even do the shopping for free, making it super-easy. Connect with a local expert to start saving today. 

What Is Renters Insurance?

In Tennessee, your belongings will need protection from a tornado and other severe weather that could come your way. Renters insurance can help pay for damage to your property and liability. Take a peek at how renters insurance is purchased:

Home and renters insurance purchase channels in the US, by generation

Your renters insurance will come with standard limits that can be found on most policies. Each person will have unique coverage specific to their needs.

What Does Renters Insurance Cover in Tennessee?

Your Tennessee renters insurance will have tailored limits included in every policy. The majority of renters policies have the following coverages:

  • Personal liability: This is financial coverage for your negligence if it causes bodily injury or property damage.
  • Personal property: Also called personal belongings coverage, this is coverage for all your non-permanently attached items such as furniture, clothing, and more. 
  • Additional living expenses: This is coverage if you have to move out of your rental home because of a claim. It helps pay for that stay.
  • Theft and vandalism: This is coverage for stolen or damaged property due to theft or vandalism.

Catastrophes That Occur in Tennessee Most Often

In Tennessee, 1,153,112,000 homeowners claims were paid just last year. Your renters policy falls under the home insurance category as well. Some of the common ones you'll want protection for are:

  • Severe storms and lightning
  • Flooding and water damage
  • Burglary and other property crimes
  • Wildfires and residential fires
  • Tornadoes

Number of tornadoes in the US

The top five risks to your property in Tennessee include tornadoes. If you're not sure what your limits are for a loss, ask your trusted adviser.

Is All My Property Protected from a Tornado in Tennessee?

Tennesee renters insurance will come with tornado damage protection up to your preselected coverage amount. Check out what your insurance will cover when a tornado loss occurs:

  • Electrical and plumbing systems
  • Foundational elements
  • The structure itself
  • Detached garages
  • Well water tanks and pumps  
  • Personal belongings

Does Renters Insurance Cover Tornado Damage in Tennessee?

How your renters insurance covers tornado damage is up to you and the carrier when you first take out the policy. Check out the different values that could be used to replace or repair your property:

  • Replacement cost: Pays to replace your property to like kind and quality when a claim occurs, including storm damage.
  • Actual cash value: Pays to replace or repair your property to the current market value of your belongings.

How a Tennessee Independent Insurance Agent Can Help

Protection for the belongings and property that you carried with you through life is more than just nostalgia. If you're not fully insured, you'll have a financial loss that you may not be able to dig yourself out of for years. Fortunately, a licensed professional can review your policies for free, making it a no-brainer.

A Tennessee independent insurance agent does the shopping and comparing so that you don't have to. They'll rate you with their network of carriers, saving you time and money. Connect with a local expert on for custom quotes today.

Article Author | Candace Jenkins

Article Expert | Jeffrey Green

© 2022, Consumer Agent Portal, LLC. All rights reserved.