The tenant is responsible for the accommodation and its content. If something breaks during the rental or there would be any other form of damage, the tenant will be held responsible.
Have a valid home insurance
The tenant should therefore always have a home insurance and it is important that it is valid and covers what is required. If it is furnished, you should also have an multirisk insurance that covers your goods. Otherwise there is a risk that the landlord's home insurance does not cover you, your belongings or damages that you are considered responsible for.
Therefore, always make sure you have a valid insurance covering you.