Insured Perils


A peril is an event or circumstance that causes loss. If damages are caused by an insured peril, an insurance company will pay for the damages or losses up to the stated limits in the renters policy.

Common perils included in a renters insurance include:

  • Windstorms
  • Fire and smoke
  • Lightning
  • Hail
  • Tornadoes
  • Explosions
  • Theft and vandalism
  • Falling objects
  • Weight of snow, sleet, or ice
  • Water damage, excluding floods

Do you need more information about renters insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on renters insurance. Renters insurance varies by insurance company and policy.