I thought it was just the tenants property, and my liability policy covered any personal injury.

High end carpet is great, but if people walk over the carpets on a daily basis for 3 years, they show irreversible wear and tear.  

. $200 spent today is well worth it compared to fire damage to the property and/or injuries caused by the fire.

ARBITRATION OF DISPUTES: Owner and Tenant agree to mediate any dispute or claim arising between them out of this agreement, including personal injury.

For example, when you're in a car accident in Ohio with a police report that lists you as the not-at-fault party, you'll receive a piles and piles of mailers from personal injury attorneys.

The median injury of the bites is more severe.

I have done a lot of things like a few personal injury, wrongful death, med mal, and lots of litigation. 

The company is licensed/bonded/insured and assumes liability for injury on the premise if the property is not services appropriately

I feel terrible for the buyer who lost all his money on title, survey, attorney fees and to add insult to injury, a sleazy judge/lawyer who defies contract laws!

Owner does not insure Tenant, the members of Tenant’s household, Tenants guests, invitees, licensees, or any other Tenants or persons in or about the Premises, from any loss occurring in or about the Premises, whether from bodily injury or property damage of any kind whatsoever.Owner strongly recommends that Tenant maintain, at Tenants sole expense, a standard type of Renters insurance policy or its equivalent, which provides limits of liability adequate to protect Owner’s and other Tenants property, as well as Tenants personal property from loss by fire, burglary, water and other perils.