房客车的零件被偷了，车停在楼下有gate 的停车场，停车场属于HOA. HOA说他们不负责任，这个我的保险公司可以cover吗？我是买了伞险，今天保险agent已经下班，想先问一下大家
再说了，零件值很多钱吗，还要用保险。
The crime has nothing to do with the landlord. Landlord's insurance covers landlord's liability, which is none in this case.
It is highly advisable to require tenants to acquire renter's insurance so that it might pay for theft ocurred on the premise.
房客车的零件被偷了，车停在楼下有gate 的停车场，停车场属于HOA. HOA说他们不负责任，这个我的保险公司可以cover吗？我是买了伞险，今天保险agent已经下班，想先问一下大家
再说了，零件值很多钱吗，还要用保险。
The crime has nothing to do with the landlord. Landlord's insurance covers landlord's liability, which is none in this case.
It is highly advisable to require tenants to acquire renter's insurance so that it might pay for theft ocurred on the premise.