What are the rights of a tenant without renters insurance?

• Nothing - the insurance will cover the reconstruction of apartment housing. Contents of the home are your responsibility (hence the need for renters insurance).

• Nothing. Your insurance covers the cost of repairing the building but does not cover the contents inside - that's why we recommend that you obtain renter's insurance. You can contact the Red Cross but a little help. The Red Cross has relief programs for people who have been burned out of their homes.

• Nothing and nothing. With such comprehensive damage management is legally obligated to provide any alternative accommodation or version of the lease. But that's all. The owner is not responsible for any damage to personal property. Without renters insurance are not entitled to any compensation.