Does Renters Insurance Cover Fire Damage? 
Great 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 ! 