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This is a normal and customary practice. You cannot rent a car without some sort of coverage for that car, since you're driving it. Similarly, you cannot drive off with the keys to a new apartment with thousands of dollars in decorative items, to say nothing of the structure, and not ensure the Landlord and yourself you have coverage for both the phsyical property of the building and your possessions--not to mention the possessions of other neighbors should you burn the building down or flood out a neighbor in some fashion.