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renting an apt in Paris

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I will be renting an apt in Paris for the first time in April, and the total cost is due 60 days before travel. Would travel Ins cover the cost of the rental($3000), if I could not go and it was for a covered reason, such as accident, illness etc ? and my policy was for $3000.
What if I get to Paris and the apt is trashed, or is not available....................then I have to take it up with the rental agent ?

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