If you're a renter living on the west coast of Canada or anywhere from Ontario to the east coast, and if you're thinking about dropping renter's insurance to save money, you may want to rethink that. Certain parts of Canada face risks from hurricanes and tropical storms, and while it might not seem like something you have to worry about now, before you know it, hurricane season will be here again, along with unpredictable storms that could take out your home.

Wind, Rain, and Floods

You don't have to look very far back in Canada's history to find destruction caused by a hurricane or tropical storm. Hurricane Irene hit Quebec, New Brunswick, and Labrador in 2011, leaving massive power outages and downed power lines, downed trees, and flooding. In 2010, Hurricane Igor slammed into Newfoundland, causing widespread flooding and at least one death. And it's not just the coastal islands and provinces that get hit. In 1954, Hurricane Hazel socked Toronto in the eye, smashing homes and killing 81 people.

On the west coast, which is more typically sheltered from Pacific hurricanes that don't tend to go very far north, the threat is smaller but still there. In 2015, Hurricane Oho became a post-tropical cyclone and made a beeline for the west coast of British Columbia. While Vancouverites got extensive rain and good surf, the residents of Haida Gwaii, an archipelago northwest of Vancouver Island, dealt with tree and powerline damage in addition to the rain.

El Niño's Impact

Don't use El Niño as a gauge for whether or not you have to worry about hurricanes hitting your home. While the weather phenomenon may have had a hand in Oho's strength that far north (due to warmer Pacific waters), no one's quite sure what it's going to do for the Atlantic season. Weather Underground notes that traditionally, El Niño results in quieter Atlantic seasons, but that does not mean that no strong storms will occur, nor will it mean that no hurricanes reach Canada.

These storms, as you have seen, can destroy homes, flood commercial areas, close highways, and basically make life very uncomfortable, if the storm doesn't kill you. Rather than taking a risk and going without insurance, keep that renter's insurance intact so that you can get financial help paying for replacing belongings and for fixing your home.

If you want to find out more about preparing for possible hurricanes or tropical storms, contact your insurance agent. Note that flood insurance may be handled in a separate policy, so ask about what exactly the renter's insurance will cover, and seek additional coverage for anything that wouldn't be covered under the basic policy.

For more information, contact Fulton Insurance Agencies Ltd Insurance or a similar company.

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