Landlords do pay for buildings insurance that covers any damage or loss to the building they own.
However as a tenant the tenant needs to have tenant insurance which covers damage to things the tenant owns should something happen to the building.
But the landlord is responsible for obtaining and keeping building insurance on the home or apartment building they are renting to the tenant.
Not every landlord will require a tenant to have renters insurance but even so it's a good idea to get renters insurance because renters insurance is very affordable and easy to get.
Without renters insurance the damage or loss of your stuff in the home or apartment will not be covered.
Also some landlords or apartments require the tenant to obtain renters insurance so that they will be covered in the event of loss or damage to the tenants stuff.
If renting an apartment, condo, home etc I would always recommend getting some renters insurance as it's worth it and very cheap to purchase.
Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property.
If you rent an apartment, home or even a dorm, renters insurance is recommended for protecting your space and belongings in the event of a covered accident.
Renters insurance can help you repair or replace property after loss due to many types of damage or theft.
It can also provide coverage for an accident at your residence.
Policies usually have very affordable annual premiums.
Note that your landlord's property insurance doesn't cover your belongings.
You'll only need renters insurance if your landlord or your building requires it.
While not required otherwise, anyone renting any type of residence long-term be it an apartment or single-family home should strongly consider purchasing a renters insurance policy.