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Generally speaking, anyone can sue anyone at any time for any reason. The question is are you entitled to compensation if your contents are damaged in your apartment. The answer to that question is how the damage occurred, and why.

For instance, if your landlord was negligent in causing the damage, you may be entitled under the landlord's insurance policy. However, if the loss occurred for a reason that was beyond their control, you are probably not going to be compensated.

The best recommendation is to have a policy of your own. The cost is reasonable and the coverage extends to your contents, additional living expenses and liability.

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Q: Can someone without renters insurance sue for contents damage?
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