On the lease I am considering signing, it says in section 32 D:
Tenant shall immediately reimburse Owner for the cost of any insurance policy Owner obtains for the Apartment, including but not limited to insurance for Owner’s furniture or furnishings in the Apartment.
This is part of the Standard Form of Apartment Lease issued by the Real Estate Board of New York. https://irp-cdn.multiscreensite.com/279367eb/files/uploaded/2019_FM_Lease.pdf
Does this mean that every renter in New York is subject to immediately owing their building's owner some arbitrarily large sum of money for wallpaper insurance?