The fire in this case is a wildfire, not renter caused. How can I find info. on this.

Thank you.
Good answers. But let me clarify: Would this help cover any of our belongings? Like a t.v., furniture, valuables?
Wow....lots of insurance knowledge here! I thought maybe the rental agency would have made sure the owner of the property had some kind of coverage, being they rent it out and do not occupy the property. Interesting info. Guess we will wait and see.

Thank you.

If you are renting from someone, their homeowner's insurance does not cover your personal property. For coverage to apply, they would need to have an insurable interest (meaning that the loss of the property will cost them financially). Since they don't have an insurable interest in your property, their insurance doesn't cover it.

Renter's insurance is reasonably priced. Especially if you combine it with an auto policy.