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Renters Insurance Provision in the Lease Agreement

Landlords should include in the lease agreement a provision in bold face and caps letters that "the owner's insurance does not cover tenant or tenant's possessions" and a recommendation that the tenant consider renters insurance to protect his/her own interests.

It’s also a good idea to add a place for each signatory to initial the paragraph--to ensure the tenant is aware of his/her liability in the event of unforeseen damages.

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