Tenants are responsible for damages to their personal property. Landlords typically do not insure anything other than the building and infrastructure items such as elevators and air conditioning systems. Even negligent actions caused by one tenant, such as a fire in another rental apartment that causes damage to an innocent tenant’s personal property, will not be covered by the landlord’s insurance.
Exceptions to this could include damage caused by the landlord’s negligence such as damage caused by faulty electrical wiring. However, a tenant might have to seek assistance from a court to receive compensation for damage to personal property.
Many insurance companies have rental insurance available for tenants to help insure personal property against damage.