The apartment complex's insurance policy isn't going to cover any of your losses. That will only cover the complex's losses. Filing a suit against the stove manufacturer will be expensive. Whether or not to pursue it will depend on the amount of your loss, but unless you were injured in the fire, I doubt the amount of your losses will be large enough to proceed. You'll pay more in litigation expenses and attorneys fees than you'll collect.
It will be expensive to hire an expert to prove that not only was the stove defective, but that it was also the cause of the fire. The costs of the expert will probably outweigh any damages that you may have suffered, so it will be hard to find an attorney to take your case.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
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