Why Do Some Apartments Require Renters Insurance? 
Why some apartments require renters insurance can vary . First , lets cover what renters insurance covers . It covers your personal property , your liability and medical expenses . Second , your liability and medical coverage are the parts that are most important to the apartment . This is because your liability insurance can be used to cover damage done to the building due to your negligence . For example , lets say you leave the stove on and you leave your apartment . Lets further say it starts a fire and causes damage to the building . The apartment 's insurance will pay for the damages , but then it will subrogate against your insurance -LRB- meaning it will make a claim against your renters coverage -RRB- . Therefore , many apartment complexes ' insurance companies will require that all the tenants have a renters policy so it can recoup any of its losses caused by the apartment complex 's tenants . 