The coverage provided by apartment insurance policies can vary, so it is important to check the specific terms and conditions of your policy. However, apartment insurance typically covers damages to personal belongings and liability for injuries that occur inside the apartment.
Coverage for structural issues, such as a crack in the foundation, is usually the responsibility of the building owner or landlord. They are generally responsible for maintaining and repairing the building's structural elements. If you notice a structural issue, it is important to inform your landlord or building owner as soon as possible. They should arrange for appropriate repairs to ensure the safety and integrity of the building.
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