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The landlord is usually only responsible for negligent damage, not fire or disaster. You can buy renter's insurance to cover your furnishings.

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Q: If I rent a house and get water damage to my furniture who is responsible?
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Water can damage the foundations of a house and they can suffer badly from the effects if they are made of concrete. While water damage to carpets and furniture is a pain, foundations that has been damaged by standing water can be a big problem as it can affect the structure of the building. This damage caused by flooding can not only weaken the foundations but in the worst cases, potentially cause the house to become unstable.


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Who is responsible for walls and floor damage if water pipe bursts in the apartment?

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Restore Your Home After Water Damage?

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