This can happen from an apartment fire that breaks out or from other types of disasters such as a water main break and more. (rentersinsurance.net)
Many of the standard insurance companies do not cover certain types of disasters in certain areas, for example earthquake and flood which require additional coverages. (blog.agentinsure.com)
In order to determine which types of disaster coverage you will need to purchase, you will want to consider your current living location. (rentersinsurance.net)