No
renter's insurence
Your neighbor's insurance company's liabilty coverage should pay for it and your insurance company should pursue it for you
No. If the tenant does not own the building they legally cannot be responsbile for the insurance on the building.
Mold is usually excluded from coverage. Read your policy; if same is not excluded, it is included.
Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.
Most home insurance companies will cover the cost of the mold removal. But you need to check your policy with the home insurer so that you will not get any surprises.
Most every Insurance policy in the United states now specifically exclude mold or damage resulting from mold. In order to get mold coverage you have to request that coverage be added to your policy if your Insurer offers it and pay the additional premium for it.
== == Always pay the extra bucks for their insurance if you don't have your own. Today, most companies ask for proof of insurance, before they rent a vehicle to you. The Laws very from state to state, in California the renter is fully responsible for any and all damages, including loss of use regardless of fault. Even if the renter was not in the car. It's up to the renter to go after the person responsible for the damages.
The main advantage to purchasing apartment renter's insurance would be that your belonging will be insured if disaster should strike.If a fire occurred they would pay you to replace your items.
For the most part, only if the mold is a result of a roof leak or major storm damage. If you live in a flood plain, you can purchase an additional insurance policy specifically for flood damage that would cover mold removal from floodwaters. If the mold is due to plumbing problems, neglect or other issues, your home owner insurance policy will probably not cover it.
Do you have to pay utilities or are they included? Is lawn care or snow removal included? How much is it? Consider getting renter's insurance as well.