That's because the dwelling itself is not being insured (that's the responsibility of the homeowner or landlord), only your things and your interests in liability situations. (rentersinsurance.net)
Renters insurance liability protection safeguards you from having to personally cover the financial cost of dealing with civil claims that could come out of liability situations at home. (rentersinsurance.net)
No one tries to get themselves into liability situations, but it happens. (rentersinsurance.net)