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If there's a fire in your apartment, renters insurance can help replace any damaged items. It may also help pay for smoke-damaged items, temporary hotel stays, and certain expenses if you can't live in your rental while it's being repaired.
The biggest thing to know is that renters insurance covers your stuff, but not the building itself. So your couch, clothes, laptop, mattress, and dishes may fall under your policy, but the walls, floors, roof, and built-in appliances likely fall under your landlord's insurance.
Depending on your policy, fire damage may trigger several different parts of your renters insurance coverage at the same time.
Personal property coverage helps pay to repair or replace any items you own that were damaged as a result of a covered fire.

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