Is my stuff covered if there is a fire? June 05, 2020 20:34 Updated Yes! Your renters policy will cover your belongings in case of fire or smoke. Check out this list for other possible situations that are covered. Related articles My partner or spouse and I live together, is all of our stuff covered under one policy? Is my roommate’s stuff covered? Renters Insurance: Everything you need to know Why do you need my social security number?