Many tenants believe that their landlord’s insurance will cover the costs of liability claims and lawsuits, but this isn't always the case. Landlords are only held responsible if the injury or property damage resulted from their failure to properly maintain their property.
For example, if a guest falls on your wet kitchen floor, you may be held liable, whereas if someone falls down the stairs because of a loose footboard that your landlord has failed to repair, your landlord will most likely be held responsible.
While those who live in apartments are generally not responsible for keeping outdoor walkways clean and clear, renters in single-family dwellings often are. Check your lease if you are unsure where the responsibility lies.