Who covers the cost of damages from fire, robbery, etc?
If you have renter’s insurance, your insurance should cover your losses, minus any deductible, but if you don’t have insurance, you’ll be responsible for replacing or repairing all of your personal property. Clothing, furniture, electronics, and other personal effects are not covered by the owner’s insurance if you are renting. However, if the owner or their employees were the cause of the incident (negligence, etc.), then you may be able to recover damages to cover the cost of the damage to your property. Similarly, if you are the cause of the damage (such as leaving a stove on), then you may be held responsible for the damage to the property by the owner. Like any other complicated or unusual situation, the best idea here is to seek legal advice if something does happen.
