Does Renters Insurance Cover No Heat? 
No , under the provisions of a typical renters insurance policy no heat in the apartment or rented premise would not be covered by the policy . If you have an equipment breakdown endorsement on your policy the cost of repair to the heating unit may be covered possibly less your policy deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you . 