The building policy covers the building
A landlord's policy repairs the structure and protects the owner. It does nothing for a tenant's furniture, electronics or clothes, and nothing for the cost of staying somewhere else while a unit dries out. That split surprises people with striking regularity, usually while standing in a unit they can no longer use.
The house you moved out of
Keeping a first home as a rental after buying a second is the most common way to end up uninsured without knowing it. A homeowners form is the wrong contract once a property is tenanted, and a claim can be declined on that basis alone regardless of what caused it.
A freight corridor through the middle of town
I-10 carries commercial traffic through this city continuously. A collision involving a loaded truck produces losses that exhaust a state-minimum liability limit before the second vehicle is assessed, which is the clearest argument for carrying more than the minimum anywhere in the West Valley.