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Renter's insurance does cover damages caused by a tornado or high winds. Your personal property will be covered up to the specified limits on your policy. You may also have replacement cost coverage which will replace your items lost brand new (subject to limitations).
Yes, your personal property would be covered if it incurred tornado or wind damage. If you live in a tornado prone area I recommend keeping receipts, pictures and an inventory of your personal property somewhere off location, perhaps a friend or relatives house. That way if you incur a total loss you will be able to prove what belongings you had and it refreshes your memory when filing your claim.
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Typically, renter's insurance rates are low.