For example, if you break an enormous window or hit someone in the back of the head while golfing. It also covers the damage to the structure if you set a boiling pot of oil on the stove and walk away. Since rental units are often attached, the fire might spread to other apartments. Who would be responsible for the damage or injury from the fire? You would. That’s why the property manager will require you to have insurance. Call us at 503-693-2852 for a quote or complete this online form. We don’t sell or give away your personal information. This data is for our use only in quoting you with the companies we represent. Beware of those ads you see online promising you the best quote. They are referral services that make money by selling your data to twenty other agents or companies. Next thing you know, you have to change your phone number or block their calls.