Who pays for the water bill and homeowners' insurance on a rental property

these are expenses that can be included in a lease, in some leases the LL pays these items and sometimes the tenant does.  without a written lease you are a month to month tenant and the LL can put you out with 30 days notice. it is not illegal for these charges to be added but most LLs just charge rent and pay these expenses themselves note if there is an insurance policy, does it cover your personal property or is it just the LL's structure that is covered? check the policy and be sure.