This coverage will pay for their liability risks, as well as any damages that may be done to permanent components of the home by a covered hazard. (rentersinsurance.net)
In addition, your landlord may be able to sue if they feel as though you have caused large damages to the building or permanent components of the rental. (rentersinsurance.net)
The homeowners policy that your landlord owns is going to pay for permanent components of the home that are damages in a covered hazard, but this coverage will not be extended to the personal property of tenants. (rentersinsurance.net)