Carolyn Gorman Quotations
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As a condo owner, I would want to be sure my policy would cover the difference between my deductible and the condo policy's deductible, if I am required to use the building's insurance for something like a burst pipe. If their deductible is $1,000, and the deductible on your policy is $100, all you may have to do is kick in that $100 and your policy will add the subsequent $900.
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If you have a party and someone injures themselves in your apartment, they could also sue you for their own injuries. Or if you accidentally overflow the bathtub, your landlord could hold you responsible for damage to the property based on your negligence. That's another good reason to have insurance.