Landlords and tenants have different agendas and things they want to protect. From a landlord’s perspective, they want to protect the physical structure of the building but are not responsible for your personal contents. If structural damages occur because of a fire or some other damage at an adjacent unit, your landlord’s insurance will cover the cost of renovating or fixing your unit. Contents within the unit are your responsibility and would be covered by your own tenant insurance. Similarly, if something in your unit causes damage to the building, tenant insurance can help prevent you from paying out of pocket for damages. Tenant insurance can also protect you from legal liability if someone chooses to sue you if the are injured in your home.