The building itself is covered by your landlord’s property insurance policy; whether it’s a duplex, a house, or an apartment.

However, as a tenant, you are responsible for finding and paying for a renter’s insurance policy, which only covers your personal property and some liabilities. According to the most recent statistics, while 95% of homeowners have homeowner’s insurance, only 41% of renters have renter’s insurance.

https://youtu.be/jprTove4FzY