You are obliged to have a personal home content insurance, which covers burglary, fire, water damage etc. If you don't have insurance, you will be liable for damages to the rental property and common areas that would be covered by such insurance. The landlord is not responsible for damage or loss that may occur due to burglary, fire, water damage, etc., beyond what is covered by the landlord's insurance policies. However, this does not apply to damage or loss caused by the lessor's default.