Experiencing a fire or theft in your apartment can feel overwhelming, especially when you’re worried about safety, belongings, and what your insurance will cover. Take a breath. You’re okay. Here’s a calm, clear guide to help you handle the situation with confidence and protect yourself moving forward.

Step One: Make sure everyone is safe

If there was a fire, wait for the fire department to confirm the building is safe to enter. If there was a theft, leave the apartment until police arrive. Your safety comes first, always.

Step Two: Call the police

For both fire and theft, a police report is essential. It documents what happened and helps with your insurance claim. Provide clear, simple information.

Step Three: Notify your landlord or property manager

They need to know about the damage or break‑in. They may also handle repairs, building safety, or security updates. Keep communication open and simple.

Step Four: Document everything

Take photos and videos of the damage, affected areas, and any missing items. More information makes the claim process smoother.

Step Five: Make a list of damaged or stolen items

Write down what was lost or damaged, including approximate values. Even a simple list helps your claim move faster.

Step Six: Contact your insurance agent

Renters insurance covers your belongings, not the building itself. Your agent will help you understand what’s covered, what isn’t, and whether filing a claim makes sense.

Step Seven: File a claim if appropriate

If your belongings were damaged or stolen, a claim may be the right move. Your agent will guide you through the process and help you understand what to expect.

Step Eight: Take steps to prevent future issues

After things settle, consider small improvements like better locks, security devices, or fire‑safe storage. Your agent can help you understand what’s most effective.

What Not to Do

• Don’t enter a fire‑damaged apartment until cleared by professionals.

• Don’t clean up before documenting damage.

• Don’t throw away damaged items too quickly.

• Don’t assume your landlord’s insurance covers your belongings.

Ohio Renters Tips

• Apartment fires often start in kitchens.

• Break‑ins can increase during summer travel months.

• Older buildings may have outdated wiring.

• Renters insurance covers belongings, not the structure.

If you’ve experienced a fire or theft and need guidance, we’re here to help.