You would have got injured or found your belongings stolen or damaged due to any reason while staying in a rented apartment. Since you did not have any insurance cover, you could not get any reimbursement for your loss. You could not have prevented the cause of your loss, but certainly would have minimized the losses if you had apartment renters insurance.
Your landlord might have insurance, but that is apparently of no use for you as it would not cover any of your losses or physical injury, even if the result of injury or loss was due to negligence on part of your landlord. This negligence can be in the form of faulty construction, absence of necessary repairs or any other reasons. Generally, the tenants of rented apartments do not have any apartment renters insurance cover and found it very hard to arrange the required finances.
We cannot stop accidents from occurring – they take place even if we take maximum precautions. But we can surely prepare ourselves to deal with the situation in case of accidents, whether in the form of fire, theft or damage to buildings. A sure shot way to do this is to get insured and buy renters insurance as soon as possible.
In some cases, landlords tend to make apartment renters insurance mandatory for their tenants before signing on apartment lease papers. In a way, this is blessing in disguise for most tenants who tend to shy from getting them insured due to a variety of reasons that include ignorance about its benefits. So there are plenty of reasons to go for renters insurance.
If you think that apartment renters insurance would burn a whole in your pocket, it could not be more wrong as such insurance policies are available at pretty manageable rates.