Apartment insurance typically covers damages to the interior of your unit, including the interior design, due to named perils such as fire, smoke, vandalism, theft, and water damage from burst pipes or leaks. However, it is essential to review your specific insurance policy to determine the exact coverage and limitations regarding interior design damages. Additionally, some policies may offer additional coverage for specific items, such as valuable artwork or high-end furniture, so it is advisable to inquire and discuss your coverage needs with your insurance provider.
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