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When you go to purchase renter's insurance, your carrier/agent very likely will run a CLUE report to see if there have been prior losses. If any are found, you will have a hard time getting coverage.
Much of the time, other people's losses are not held against you- however any sane insurer that sees 5 losses in 8 months will be reluctant to issue a policy for you.
Please also be advised that "flooding" or seepage of water from the outside of the building to the inside is NOT covered by a renter's insurance policy. If that's what you are concerned with, you need flood insurance in addition to a renter's policy. "Water Back Up" is only covered if you pay extra for a specific endorsement.