Landlord and tenant polices both have two portions, coverage for property damage and coverage for liability.
landlord policy covers the personal liability of the landlord. tenant's police covers the personal liability of the tenant.
假如你的房客把你的窗户给砸坏了，你不用找你的保险公司的property damage coverage，而是可以找房客的liability coverage。有了tenant's insurance，就不怕和房客斗气的时候他把房子砸坏。
