The landlord s policy most commonly covers only the building along with the building s fixtures and appliances. This policy would not pay for the tenant s loses unless the landlord was at fault. If you have a fire in your apartment and can prove that the fire was due to your landlord s neglect, you can take your landlord to small claims court should you not have a renter s policy. Having a policy in effect before a fire or natural disaster will take the hassles of going to court off you. Your insurance company will do it for you.
Fire insurance is very inexpensive and well worth the money.
Most insurance companies carry renter s insurance. Contact your insurance agent for further information. Roommate Locator Inc.