I am not a financial advisor or insurance expert, but typically, apartment insurance (also known as renters insurance) covers damage to personal belongings caused by covered events like fire, theft, or vandalism. However, it generally does not cover the cost of routine maintenance, such as repainting or redecorating the interior walls.
If the damage to the interior walls is a result of a covered event, such as a fire, then your apartment insurance may cover it. In such cases, you would typically file a claim with your insurance provider and follow their process to get reimbursed for the damage.
It's essential to review the terms and conditions of your specific apartment insurance policy, as coverage can vary. If you have any doubts or questions about what your insurance covers, it is best to consult with your insurance provider directly.
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