Why Does My Landlord Require Renters Insurance? 
A landlord is not responsible for any personal injury or property damage on the property he has rented to you . He doesnt want to be brought into a law suit because you dont have coverage for liability . He also knows that if the unit burns to the ground , you will want your personal property replaced . That isnt his responsibility either . He wants you to have a policy that will replace your property in the event of damage by a covered peril . 