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Does Progressive renters insurance cover fire?
Last night there was a kitchen fire in my apartment, and now I’m staying at a hotel until my landlord repairs the damage. Does my Progressive renters insurance cover fire damage—and will it cover my hotel stay?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, a standard renters insurance policy from
Progressive
will help you to replace items damaged in the fire and may also cover your hotel bill. Of course, you’ll first have to meet your deductible. Here’s a brief overview of what a standard renters insurance policy— whether offered by Progressive or another insurer—will cover in the case of an accidental fire:
- Loss of your personal property: This is the type of coverage we tend to think about most. It reimburses renters for damage to their personal possessions such as small appliances lost to a kitchen fire.
- Personal liability: You didn’t say anyone was seriously hurt during the fire, but if someone had been and they decided to file a claim against you, your renters insurance would help with those expenses.
- Loss of use or additional living expenses: This is where a renters insurance policy can be especially helpful in your case. You’re no longer able to live in your apartment and use the kitchen. While you live in the hotel, be sure to save your receipts for the hotel bill and any meals you eat out. You can submit them to your insurer— and depending upon the details of your policy—have these costs reimbursed.
Best of luck on recovering from the fire.
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renters insurance
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- Gregory R.
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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.
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