Intentional acts are usually excluded from coverage, so I would likely need to pursue action against my roommate directly, right?

Yes, renters insurance typically covers your possessions wherever they are — including in a storage unit ... However, the landlord's insurance typically covers structural damage to his property and does not extend to your personal property or protect you from being ... Jun 27, 2024 ... Renters insurance: What does it cover and how much does it cost? Español. Your landlord's insurance won't cover your personal items. You will ... Sep 17, 2024 ... Do I Need Renters Insurance? How Does Renter's Insurance Work? What Does Renter's Insurance Cover? Replacement Cost Vs ... But before you start to make a new shopping list (and ideally after you've cleaned up the evidence), check in with your insurance agent: Food spoiled because of ... Typical renter's insurance covers you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and certain types of water damage ( ... Why do I need homeowners insurance? If something happens to the home or ... The owner's insurance covers the building, not your personal property. Apr 2, 2024 ... If you rent, you have probably asked yourself this question. Does renters insurance cover water damage? The answer to this question is yes. To ... Back to our original question, does renters insurance cover flood damage? The answer is no. Your renters insurance policy will most likely NOT cover flooding ... Feb 23, 2025 ... Does renters insurance cover fire? Yes, renters insurance likely covers damage to your belongings caused by fire, again subject to your ...