When you rent, the building is your landlord's responsibility, but your belongings and your living costs may be yours.
Tell your landlord right away
They are responsible for securing and repairing the building and usually choose the restoration company.
Call your renters insurance
Renters insurance often covers your belongings and extra living costs while you can't live there.
Document your things
Photograph and list your belongings just like a homeowner would.
Read your lease
It says what happens to rent while the unit can't be lived in.
Quick checklist
- Tell landlord
- Call renters insurer
- Inventory your belongings
General information, not advice for your specific policy or property. Updated October 2026.
