"The apartment I was renting caught fire ..., we basically
lost everything. I was wondering if I am able to submit a claim to my landlords
home insurance. The fire was caused by
the a.c outlet over heating. ... .I did not have renters insurance at the time,
and am kicking myself in the butt for not having it, ..., if only I
had known that renters insurance only runs about 25$ a month. Can I
make a claim on my landlord's insurance?"
This is a typical case. But your landlord's insurance policy only covers the building, any
property owned by the tenants is excluded.
Renters insurance coverage
What
does a typical renters policy cover?
Protect your personal property against:
Theft
Vandalism
Fire
Lightning
Windstorm
Falling objects
Weight of ice, snow
Explosion
Renters insurance 
