Why Does My Landlord Want Me To Have Renters Insurance? 
I think that there are two reasons . The landlord wants you to understand fully that he is not responsible for your personal property that is in the rental unit . He is saying , if there is a fire and your things are destroyed , you are responsible , not the landlord . The second reason is liability for personal injury and property damage . If someone is injured in the unit you are responsible and need insurance to protect yourself . 