http://www.enotes.com/everyday-law-encyclopedia/insurance-homeowner-s-and-renter-s

"Renters may not be required to have insurance by law. However, your landlord may require it by including it in the lease. " 거주자 (입주자) 보험 (tenant insurance or renters insurance) 에 가입하는것은 법적으로 요구되는건 아니지만. . . .
"Landlord’s Property Insurance
A landlord is required to have home insurance in place on the property, but this is meant to protect the structure of the building. The liability portion of the policy only applies to injuries that a visitor sustains while in the common areas of the property. If the building is damaged due to a fire, or a flood or hurricane (if the landlord has a policy covering these perils), the insurance company will pay to replace or rebuild as necessary. "
"The contents of the individual units of the building are not covered. The landlord’s insurance policy also comes into play if a tenant is the victim of a crime or a disaster and makes a claim against the landlord for damages. " 사고시 (도난, 화재등) 에 입주자의 개인소유물 (보석류, 비싼 옷,가구등. . . ) 과 입주자의 부주의로 인한 부엌에서의화재 피해는 건물주의 보험 (landlord’s insurance ) 으로 보호를 못받기 때문에 . . .

"Some landlords are requiring their tenants to carry renter’s insurance because it protects the landlords cash flow."
"Renters insurance protects the tenant’s possessions (clothing, furniture, household items, jewelry and electronics ) against loss due to fire, theft and other perils.
Renters insurance protects kitchen fires. caused by a fire that happened because of the tenant's negligence or carelessness."

"In MINNESOTA, 미네소타주에서는, 입주자의 과실로인한 부엌화재의 피해는 건물주의 보험 ( landlord's fire insurance policy). 으로 보호를 받고. . .
Tenants are co-insureds under their landlord's fire insurance policy for purposes of subrogation actions. United Fire & Cas. Co. v. Bruggeman, 505 N.W.2d 87 (Minn.App.,1993). LANDLORD / TENANT SUBROGATION"
"The rule of subrogation known as the “Sutton Rule” states that a tenant and a landlord are automatically considered “coinsureds” under a fire insurance policy as a matter of law, and therefore the insurer of the landlord which pays for fire damage caused by the negligence of a tenant may not sue the tenant in subrogation because it would be tantamount to suing its own insured. "

"According to a survey by Allstate insurance, 60% of tenants nationwide do not have renter’s insurance."
올스테이 보험회사조사에 의하면. . . 입주자의 60%가 입주자보험이 없고. . . .
"The cost of renter insurance is very cheap, usually $15 to $20 per month "

"$20 a month is nothing to some people and food to others". . .
한달 $20 은 누구에게는 껌값?. .. 누구에게는 밥값. . .

"보험들으라는 얘기를 메니저가 안하더라구요. 그래서 물어보니, 들으라고 하더군요."
"보험을 가입하지말까 . . "

선택은 님에게. . . .

곽재혁님, sunnyys님, 답변 감사합니다.

금액이 크지 않기 때문에 보험을 드시는 것이 여러모로 안전합니다 !