<prompt> Human: This just happened a few hours ago, and Im honestly reeling and dont know how to proceed from here. We rented the house in New Jersey, living there for the past 3 years. Started with one year lease, month to month since thenlandlord is very chill. The house is completely destroyed, we were out in 30 seconds, and ALL of our belongings are destroyed, including my car. No renters insurance. IF the fire is deemed to be our faultpossibly a cigarette butt lit the back deck, but definitely an accident, is there any chance of us getting back security deposit? The house is expensive and the deposit was fairly large, and its definitely needed for down payment on new place. This is the worst possible timing, as this is the finale in a long line of misfortunes that 2018 brought me so far. I am essentially broke, with a few hundred dollars to my name. If anyone has any suggestions about resources we could use for some type of help going forward, that would be incredibly helpful. Thanks for reading  <response>: Sorry for losing your stuff but next time get renters insurance. it is very, very cheap and replace everything you had. 