你要理解是誰的personal liability

Landlord and tenant polices both have two portions, coverage for property damage and coverage for liability.  

landlord policy covers the personal liability of the landlord.  tenant's police covers the personal liability of the tenant.  

假如你的房客把你的窗戶給砸壞了，你不用找你的保險公司的property damage coverage，而是可以找房客的liability coverage。有了tenant's insurance，就不怕和房客鬥氣的時候他把房子砸壞。