Yes. Fire and smoke are core covered perils in every standard renters policy. Renters insurance pays to replace belongings damaged by fire, smoke or the water used to put the fire out, pays for somewhere to stay while your home is repaired, and covers your liability if you accidentally started the fire.
What renters insurance pays after a fire
- Your belongings: items burned, melted or ruined by smoke or soot, and items damaged by firefighting water. Personal property coverage explained.
- Somewhere to live: hotel or short-term rental costs and extra meals while the unit can’t be lived in. Loss of use explained.
- Damage you caused: if your cooking fire damages the building or neighbors’ belongings, liability coverage can pay their claims. Liability explained.
Does it matter who started the fire?
| How the fire started | Your belongings | Damage to others |
|---|---|---|
| A neighbor’s unit | Covered by your policy | Their responsibility |
| You, by accident (e.g., unattended stove) | Covered by your policy | Your liability coverage |
| Wildfire | Covered by your policy | n/a |
| You, on purpose | Not covered | Not covered |
Carelessness doesn’t cancel coverage. Accidental fires, including ones you caused, are exactly what the policy is for. Intentional fires are excluded.
Smoke damage without flames
Smoke from a fire elsewhere in the building, or from a nearby wildfire, can ruin clothing, furniture and electronics even if nothing burned in your unit. Smoke damage from a sudden fire is generally covered. Ask your insurer about professional cleaning; clothes and fabrics can often be restored rather than replaced.
After a fire: first steps
- Make sure everyone is safe and don’t re-enter until the fire department says it’s safe.
- Call your insurer right away, especially if you need somewhere to stay tonight.
- Photograph the damage and list what was lost; your home inventory will be invaluable.
- Keep receipts for hotels, meals, clothing and essentials.
Full process: How to file a renters insurance claim. Full checklist: what to do after an apartment fire.
Make sure your coverage is enough
Fires are often total losses. Choose replacement cost coverage and a personal property limit that would replace everything you own. How much coverage you need.
New to this? Start with What is renters insurance?
This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.