The coverage provided by apartment insurance policies can vary, so it is important to review your specific policy to determine its coverage. However, in general, apartment insurance, also known as renters insurance, typically covers damages to your personal property caused by certain perils like fire, theft, or vandalism.
Regarding damages caused by neighboring units, such as water leaks, it depends on the cause of the leak and your specific policy. If the leak is due to a covered peril, like a burst pipe, your policy may cover the resulting damages. However, if the leak is due to negligence or wear and tear, it may not be covered. It is important to contact your insurance provider to discuss the specifics of your policy and the circumstances surrounding the damage.
As for noise disturbances, apartment insurance usually does not cover damages resulting from noise. Noise issues between neighbors are typically addressed through the landlord or building management, or by following local noise ordinances.
Publication date: