[taylodl]

You put it in the lease. The owner is not responsible for the personal belongings of the tenant. Your lawyer or broker should be able to assist you with the language or if you're on your own there are example leases online - though personally I'd run all contracts by a lawyer. It only costs a few hundred bucks and you have a sample lease you can use again and again (reuse FTW!)

[eastdark]

Thx! I see. So I won't be financially responsible for the losses. But I'm more curious that if the tenants' loss will indirectly cause trouble to me (if they become broken and are not willing to move out?), will it be a better situation if tenants are willing to have renters insurance in place? If it is, how do landlords effectively persuade the tenants to do that?

I rented out my property and the current tenant from Europe bought the renters policy even before I brought up it. But I also encountered someone who never followed up on that.