Ok, I was using the renters insurance my landlord pushes. Perhaps that’s just a crummy package. Anyways, it pays to read the fine print… And even situations that seem unlikely like a riot or a pandemic, well they actually are worth getting insurance for.
I've always avoided those and source my own for this reason. I doubt they have the best coverage for the renter as opposed to best for landlord outcomes. Landlords have enough money and power, this is one thing we can do within that balance to maintain some control.