The building policy does nothing for your things
A landlord's policy repairs the landlord's building. It does not replace your furniture, your electronics or your clothes, and it does not pay for somewhere to stay while the unit dries out. Renters cover is one of the cheapest policies sold and is the one most often skipped.
Renting out a house you used to live in
The most common way to end up uninsured in this city is to move and keep the old house as a rental without changing the policy. A homeowners form is the wrong contract once a property is tenanted, and a claim can be declined on that basis alone.
Event traffic is its own exposure
Stadium and arena days put a lot of unfamiliar drivers on local roads in a short window, often at night. That is a comprehensive and collision question and an uninsured motorist question, and the answer is in limits rather than in driving carefully.