Break Ins
If someone breaks into the apartment and steals your belongings, a homeowners policy which your landlord owns won’t do a thing for you. In fact, it won’t do a thing for the landlord either since it is your belongings, and not the landlord’s that were taken.
Your renters insurance policy is going to protect the items you have in your apartment, and will safeguard those items in the event of a break in.
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