renter's insurance

Q. I live in an apartment. I pay my rent on time and I am a good tenant. Recently, a small fire from the next-door unit burned part of my apartment and damaged my property. The apartment owner says he is not responsible for the damage to my property. What can I do? I do not have renter’s insurance.

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Q. I recently had a small fire in my apartment. I think it was caused by the new clothes dryer I had installed. The landlord collected for the damage to his building from his insurance company. Now the insurance company is coming after me for $60,000 because of a clause in my lease. This fire was not my fault. How can I be sued?

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Q. I was renting a house with two of my friends. The house burned down because of the electrical fault. We still have six months more to go on lease. We did not have a renter’s insurance. The fire was not our fault. We lost most of our property. We assume the owner has insurance. Can we file to recover for our damages? Can we get compensation toward rent?

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