Does Renters Insurance Cover Fire Damage?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaLoss as a result of fire to personal property is covered. If you are the culprit that starts the fire and have legal liability for the fire, the liability section may provide coverage. If someone else is responsible for the fire the renter’s policy will not pay for the damages to the building itself.Answered on April 28, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasGreat question! If you are living in an apartment that is damaged by fire, and have renters insurance, you are covered in almost all cases. Water damage if the fire was next door, or smoke damage are usually also covered. Some cases, you may even be covered for the cost of staying somewhere while the damage is assessed. If you need any more help, please feel free to contact me, I'm happy to help. Thanks for asking!Answered on April 29, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482If you are fortunate enough to have purchased a Renters' Insurance policy when you started leasing your home, then yes, in most cases your personal property would be covered for loss by fire. In fact, protection from fire loss is one of the more standard perils that is included in a Renters', Condo unit owner's or Homeowners' policy.Answered on April 29, 2014flag this answer
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