这是一份常见的renter's insurance。在下面的几个例子中,对造成的landlord和邻居的condo单元的propert damages,租户保险公司里的这项100K的personal liability是会拒付的,对吗?
1)租户忘记炉子关火引起火灾 - negligence not covered
2)租户忘记浴缸关水引起水灾 - negligence not covered
3)租户往墙上钉画,不小心钉子穿破墙里的水管引起水灾 - water damage not covered
地主或者HOA有什么motivation要求租户买这种renter's insurance呢?