Is personal property damage covered under a landlord's insurance policy when renting out a dwelling?

A landlord's insurance policy, often known as a property insurance policy, typically does not cover the personal property of tenants. The primary focus of this insurance is to protect the physical structure of the dwelling and the landlord's interests in it, such as the building itself and any landlord-owned property within it, like appliances or common areas. This type of policy is structured to address risks related to property damage to the building, liability for injuries occurring on the premises, and loss of rental income due to damages.

Tenants are expected to have their own renters insurance, which is specifically designed to protect personal belongings from unforeseen events like theft, fire, or water damage. Many landlords will recommend or require tenants to secure renter's insurance to ensure they are safe in terms of personal property coverage.

Therefore, the answer correctly reflects the standard practice regarding landlord's insurance policies, emphasizing that coverage of a tenant's belongings is not part of a landlord’s insurance.