What is typically excluded from landlord policies regarding tenant property?

Landlord policies are designed to protect the building itself and the landlord's interest in the property. While these policies cover the physical structure and any property owned by the landlord, they typically do not extend coverage to the personal belongings that tenants may have within the rental unit. This typically includes furniture, electronics, clothing, and other personal items owned by the tenants.

Tenants are generally advised to obtain their own renter's insurance to protect their personal property. This distinction is important because it underscores the responsibility of tenants to secure their own belongings from risks such as theft, fire, or water damage, rather than relying on the landlord’s insurance policy.

In contrast, storage units, common areas, and named perils do not directly connect to the tenant's personal property in the same way. Storage units might be covered under certain circumstances, common areas may be part of the landlord's liability coverage, and named perils refer to specific risks that may be covered under the policy, but these do not relate to the exclusion of tenant property within the dwelling itself.