When you're living on your own but don't have much life experience, there's a risk of incurring liability for bodily injury or property damage caused by negligence. (effectivecoverage.com)
Your apartment can not incur liability or be negligent on its own because that requires human intervention. (effectivecoverage.com)
For example, you'd have no reason to insure your neighbor's car, because nothing your neighbor's car does will impact you or incur any liability on your part. (effectivecoverage.com)