As mentioned, it is not required by law to have renters insurance. However, some landlords will require tenants to get renters insurance as part of the lease agreement. If a guest is injured in a rented apartment, they may seek compensation. All renters insurance includes personal liability coverage, which will cover associated legal or medical fees. If a tenant does not have insurance, the injured party may go after the landlord instead, so renters insurance is a good way for landlords to avoid liability claims. Landlords are only responsible for the exterior and structural repairs they aren't responsible for damage caused inside the unit
or to your personal belongings. A tenant without renters insurance may try to collect damages anyway or be unable to pay for damages they caused, so requiring it simplifies things for the landlord.