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While renters insurance isn't very expensive in most cases, it can be difficult to deal with for those who have not budgeted for it. However, not having renters insurance is a much bigger problem, should something happen. Whether or not your landlord requires renters insurance, it is something that you should have.
In many cases, renters assume that the property insurance that the landlord or owners of the apartment complex has will protect them in the case of a theft or fire. However, this is not true. In most cases, landlord and owner's policies cover the actual structure of the building and grounds -- not the possessions of the people who live there.
Renters insurance policies fit a variety of budgets, because there are many different levels of protection. You can choose a high deductible in order to lower insurance premiums, or select coverage that covers items in your apartment based on the actual value of the item instead of the replacement value. Of course, those choices also offer fewer option should a claim ever need to be made.
Another good reason to have renters insurance is because the fact of the matter is, when you live in an apartment you aren't in control of what happens in most cases. Someone else in the building could have friends that commit thief, or start a fire that spreads to your apartment. No matter how careful you are, there are never any guarantees that your neighbors will be, so it's best to protect yourself in any way you can.
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