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Cost of renters insurance | Home Insurance
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Bicycle Insurance – Common Questions Asked A cigarette started a fire at my rental home today. I was not home when this happened, so I cannot exactly explain how or why this happened (not to mention I don’t smoke). Needless to say, the fire damaged the deck as well as a small section of the side of the house. I called the landlord immediately after I received the call informing me of the fire and they explained to me that they will not be able to do anything until tomorrow. I have never dealt with a fire before, so I am absolutely clueless as to what comes next. I know I will find out the majority tomorrow, but I have a few questions. 1. Who is liable? Obviously I am the renter, but if I was not home, and I really at fault? The rear of our house faces a very busy road, so the cigarette could have come from that area, but my boyfriend also smokes. However, we weren’t home at the time, so I’m having a hard time believing he may have caused this. Is this something the owners home insurance covers? 2. I work for a Construction Company and could more than likely get the damage fixed at no cost to me or the owner. Is this something an owner would typically accept, or does this usually have to be handled through Insurance?
Overall, I am sick to my stomach over all of this. I want to get the damages fixed (obviously), whether or not I have to pay. Any information is greatly appreciated.
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