What renters insurance covers after a fireDepending on your policy, fire damage may trigger several different parts of your renters insurance coverage at the same time. What renters insurance doesn't cover after a fireRenters insurance can cover a lot after a fire, but it won't cover these items:Damage to the building itself: Your landlord's insurance policy would typically handle any structural damage to your unit, like the roof, drywall, flooring, cabinets, and more. Does renters insurance cover fire? Does renters insurance cover a fire I accidentally caused? Does renters insurance cover wildfires?