One way or another the wording in your lease isn't going to matter. If something happens the underwriter has the last say no matter what your agent says he or she will be the end answer to what will be covered, its easier as an agent to say its covered to keep us happy, but if the underwriter say's not going to cover due to a renter, your external coverage may not help. This is going to be an ongoing problem and we are not going to know until someone has a claim with their renter. Stay tuned and let us know about your claim.
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