The coverage provided by your apartment insurance policy depends on the specific terms and conditions outlined in your policy document. Generally, apartment insurance, also known as renter's insurance, offers coverage for personal property damage caused by specific perils, such as fire, theft, vandalism, and water damage.
However, damages caused by vehicle accidents to the exterior design of your apartment may not typically be covered by your apartment insurance policy. These types of damages are usually the responsibility of the driver's auto insurance policy.
It is important to review your apartment insurance policy or consult with your insurance provider to understand the specific coverage you have and whether it includes damages caused by vehicle accidents.
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