It’s important that the person living in the apartment has a valid home insurance. As a tenant, you should therefore make sure to sign up for a home insurance registered at your new address. This should be done regardless of whether the landlord has one or not. If it is furnished you should also have the supplementary insurance cover. If you don't have an insurance you take the risk that the landlord's home insurance doesn’t cover you, your possessions or damages for which you are considered responsible. Therefore, be sure to have a valid home insurance! Today, many insurance companies has a special sublease insurance so please check with your insurance company what is best for you.