HOLD HARMLESS ACKNOWLEDGMENT - Resident agrees that Management does not promise, warrant or guarantee the safety and security of Resident, Resident’s family and occupants or Resident’s personal property against the criminal actions of other residents or third parties. Furthermore, Management shall not be liable for any damage or injury to Resident, Resident’s family and occupants or to any person entering the premises or the building of which the leased premises are a part, for injury to person or property arising from theft, vandalism or casualty occurring in the premises or the buildings; the term “premises” is defined to include any common areas, lakes and the surrounding area. Resident agrees to indemnify and hold harmless Management from all claims, costs and expenses arising from injury to person or property. Each Resident has the responsibility to protect him or herself and to maintain appropriate insurance to protect his/her belongings. Residents should contact an insurance agent to arrange appropriate insurance protecting their personal property. Resident shall at all times maintain Renter’s Insurance including adequate fire, casualty and liability insurance to insure against the risks described above. Insurance coverage maintained by Management does not protect Resident from loss of personal property by theft, fire, water damage and other perils. Resident is responsible for maintaining appropriate vehicular or automobile insurance coverage.