I own an apartment which is rented out, I have taken out no insurance on it. Buildings insurance covered by management fees, I wouldn't be too concerned about insuring contents, if damage/loss I could cope with it. My main worry would be liability for accident etc. within apartment, presumably not covered by buildings insurance. Is it worth taking out policy just for this, I feel I have done everything to comply with regs and create safe environment, would there be any other benefits? Do insurers sell these policies directly or is it necessary to go through a broker? Thanks