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Does renters insurance cover smoke damage?
There was a small fire in my apartment building last week. Thankfully, the flames did not reach my apartment, but the smoke certainly did! Some of my furniture is ruined by the smoke damage and I’ll need to get it replaced. Will my renters insurance cover smoke damage?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the fire in your building—I hope everyone is alright! The good news is smoke damage is usually a covered peril in renters insurance.
Renters insurance
will cover smoke damage caused by a fire or its aftermath. The fire also doesn’t need to be from your apartment—smoke from another building or the street is still covered.Smoke damage that is not covered would be from cigarette smoke, as that is not a named peril and preventable.
Hold on to the damaged items and take pictures of your apartment and building. They can serve as proof of loss in your insurance claim, simplifying the claims process.
If you’re hoping to save on your renters insurance in the future, you should consider bundling it with an automotive policy! To find the best deals on bundling, use the
Jerry
app. Once you download Jerry, just answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car insurance quotes for coverage similar to your current plan. Jerry customers save an average of $887 a year.View full answer
- 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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