I don't know about anyone else's rental policy, but mine both when I rented out just rooms and now when I rent out whole house specifically excludes possessions of renters. Best bet is to put it in writing that nothing is covered.

Things I am concerned about as a landlord:
1. Unsavory charecters.
2. Domestic violence.
3. Moving other people in..if they are OK then not a huge problem other than excess utilities.
4. Vermin.
5. Fire.
6. Drugs.

I advise everyone to work out responses to various situations ahead of time and put everything in writing. Treat each potential tenant as a potential felon in your head, being polite etc. Ask sweet grandmothers if they use drugs and ask everyone. Ask the nicest couple about domestic violence. Ask everyone the same questions from the same checklist because sooner or later a person you do not want to rent to is going to get you on some sort of discrimination charge..even though you are discriminating against the behavior and not the religion, ethnic group etc.

If it were rooms in my house I would not want to have them have locks on doors, in case of fire, heart attack, whatever. Locked up trunks etc. for valuables would be OK.

mg