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More and more apartment communities are requesting that residents obtain renters insurance with liability coverage. Reasons for this are as follows: if a property requires that their residents have renters insurance, the property management company saves money on their own insurance. Also,for example, if a resident causes a fire, the resident's liability insurance will cover the cost of damages to the building and to the property of others living in the building. Liability insurance also pays medical payments to guests of residents injured on the property.
That being said, the leasor is an additional insured by default, it is stated in the policy. They do not have to be listed as an additional insured.