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Renters Insurance Question


Senior Member
Nov 28, 2006
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My gf and I are renting and have renter's insurance on the estimated value of our belongings...roughly $30k for the policy. This way in case the place burns down or we get robbed, we're insured. Good deal for disasters.

Yesterday I received a letter from my apartment mgmt group that across town, a different apt complex experienced a fire. Many of the surrounding apartments received smoke and water damage as a result. These units will need to be re-painted, re-carpted, new fixtures, etc. They went in to explain that replacing those items of smoke and water damage (from the fire) is the tenant's responsibility. And they advised us that to replace our apartment interior, if a similar situation occurred, would be roughly $100k. They curteously enclosed packets from an insurance provider, urging us to sign up.

We're both calling bullshit on this one and our insurance provider has asked to see this apartment complex document. I don't see how our interior could cost anywhere NEAR $100k, why we would be responsible for fire damage to their property, and the inclusion of a certain (sole) company's information/sign-up form is very questionable.

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