The tenants' policy provides coverage for contents, with 10% of the coverage C limit for building improvements or installments made at the insured's expense. (Photo: Shutterstock) While a landlord is typically responsible to maintain the common areas, it is unusual for a lease to contain a provision requiring the landlord to defend and indemnify a tenant for incidents occurring in the common areas. (Photo: Shutterstock)

In the realm of additional insured endorsement coverage cases, in the landlord-tenant context, litigants often refer to rival lines of cases: Harrah's v. Harleysville Ins. Co. and Pennsville Shopping Center Corp. v. American Motorists Ins. Co.

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