However, the law in every state makes you responsible in some way for damages to the apartment caused by your negligence. (effectivecoverage.com)
It will also help you handle legal fees if someone is injured at your house or you are found responsible for causing damage to your apartment. (rentersinsurance.net)
Without it, if something were to happen such as an accidental fire, you'd be on the hook for damages to the apartment as well as to your neighbors. (effectivecoverage.com)