Your unit is not covered for damage from flood, natural causes like lightning, tornadoes, hurricanes, rain, etc, intentional damage/vandalism, wear and tear, and equipment breakdown: Ex. ceiling fan short circuits and causes a fire.
Your renters’ belongings are not covered in case of off premise losses, vermin (squirrels, mice), insects (Ants, roaches), flood damage, accidental damage or misplacement of property or theft.