WHAT HAPPENS IF I GET ROBBED OR BROKEN INTO? - It's not the owners responsibility to protect your or your personal belongings. Your losses are not his losses. You need to carry your own insurance just as the owner carries insurance to protect what is his, namely the property.

Here is the excerpt from the Lease Agreement as it pertains to insurance:

INSURANCE
LESSEES insurance. It is advisable that LESSEE should obtain renter’s insurance as landlord’s insurance does not cover LESSEES belongings. LESSOR shall not be liable for any damage or injury to LESSEE, or any other person, or to any property occurring on the premises or any part thereof, or in common areas thereof, unless such liability is based on the negligent acts or omission of LESSOR, his agent or employee, and LESSEE agrees to hold LESSOR harmless from any claims for damages if caused by the negligent acts or Omissions of the LESSEE or his family, licensees, guest and pets.

**This clause is subject to change without notice. Be sure and read your lease agreement and understand it in its entirety.

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