<prompt> Human: A friend of mine had everything he owned including his car destroyed in Houston flood. His apartment complex did not require tenants to have renters insurance. Does he have a leg to stand on or is he out of luck?Assistant: In addition, why would a company demand tenants have renters insurance?  <response>: if a tenant starts a fire in their unit, or leaves the bathtub running and it leaks through to the unit below, who do you think is responsible for the damage? certainly not the owner of the building. who do you think pays for stolen property if the unit is broken into? its all on the tenant. 