Although the landlord would not be liable for damages to your items or for an accident that would occur in the house due to your negligence, they can require that you protect yourself. (rentersinsurance.net)
A renter could also be liable for damage done to property of others or bodily injury in that situation. (effectivecoverage.com)
However, there are some cases in which your physician or nurse may not be liable for injuries. (cprlaw.com)