If a natural disaster, electrical fire or damage from burst pipes damages or destroys your apartment or house, the manager is only responsible for structural repairs. (rentersinsurance.net)
You and your family are theoretically at some kind of risk from day one, whether it is from fire or another peril such as burst pipes that cause flooding. (rentersinsurance.net)
Damage caused by burst pipes may be covered, but mold growth caused by the water damage will not. (pocketsense.com)