What happens when one comes to the apartment and discovers that their home has been gutted by fire or has been destroyed. It is to find the disasters caused by fire. It would be too much to expect that the landlord's homeowner's insurance policy is going to cover the losses. In reality, it hardly happens. Most of the renters believe that their landlord's policy includes the losses and hence, they do not purchase renters insurance, and they only realize it once it is too late. This is where L.H Griffith & Company, LLC comes to the scene.