[legion]

This is HIGHLY unusual.

When I lived in an apartment, I paid around $10 a month for $30k of coverage on my property. There was no liability on the policy.

Renter's insurance usually covers your property. The liability is usually left to the property owner. In fact, I don't think most insurers will extend liability to a rental policy because you don't have control of the property. I think this is an attempt by the property owner's lawyer to push liability coverage down to you--without knowledge that it is probably impossible for you to get such coverage.

I'd ask to have that provision striked.