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Monica rents a one-bedroom apartment. Because she does not own the property, does this mean she is not liable for any injuries that might occur

Monica rents a one-bedroom apartment. Because she does not own the property, does this mean she is not liable for any injuries that might occur in her home? Give an example of a situation where she would be responsible. How should she cover her potential liability as a renter? (home insurance for renters, HO-4)

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