PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Will renters insurance cover fire damage?
I was trying out a new recipe this weekend with my air fryer. The thing accidentally caught fire and I ended up burning a decent part of my kitchen. Is the fire damage covered by my renters insurance?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yikes, I’m so sorry to hear that! I hope you’re okay. Since you have renters insurance, the damage to your belongings from the fire and smoke is claimable under your renters insurance policy. As long as you’re not a practicing arsonist and the fire was an accident, you have coverage.
That said, your renters policy protects you and your belongings—not the entire building. Your renters insurance wouldn’t cover:
- Walls
- Floors
- Cabinets
- Windows
- Doors
Since it’s your landlord’s responsibility to maintain the building, their home insurance would cover any fire damage to the building and its structure.
However, if your apartment is no longer liveable, your renters policy will cover loss of use, meaning you would be reimbursed for living expenses while your apartment is uninhabitable.
You’ll want to call your insurance company as soon as possible to file a claim. An agent can also answer any additional questions you may have about your coverage.
After filing a claim, your insurance rates can increase. If you want to explore your other options while maintaining coverage, use the
Jerry
app. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
.jpg&w=64&q=75){kind=avatar}
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
