Your lease has a clause that states personal property is not covered by the Landlord’s home owner policy for any reason. Water and Storm damage to your personal property is not covered. If you or someone you invite to your home is injured at the home, the tenant is responsible for any injury claims.
As a Tenant you have to Expect the Unexpected and prepare to have coverage for personal loss. Insurance options are available for your personal possessions, auto, boat, general liability and more.
PLEASE CONTACT YOUR PROPERTY MANAGER FOR DETAILS