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So, who pays for your damaged stuff when the landlord's hotwater tank fails and leaks everywhere?? I think the tenant pays for his own stuff. Doesn't seem fair does it. I guess the insurance company thinks you should have your own posessions insured BECAUSE they don't know what you have. Insurance costs different amounts if the value of your stuff is $30,000 or $10,000. When the landlord buys insurance on the house, many times it doesn't include the refrigerator or anything else not nailed down!! It certainly isn't going to cover 4 tenants expensive down covers, computers, etc. Guess they think you should consider renters insurance to be like an addendum to the homeowners insurance. Maybe they also think of the burst hotwater tank as a "natural" disaster!

How 'bout some of the girls at the party flush tampons down the toilet, which just co-insidentally had the pipes cleaned out 2 weeks ago - which the landlord does on a yearly basis because he wants to avoid problems with roots, and now it backs up into the basement flooding carpet and tenant posessions?
I believe the liability is the tenants. Or Tenant flushed q-TIPS DOWN, NEWSPAPERS (out of toliet paper),broken handle of rasor down?