What is the ruling on residing in a house where the rental agreement stipulates insurance on belongings, but this insurance has not been purchased?

It appears that this commercial insurance is obligatory for the lessee, and its origin is prohibition. However, it is permissible in cases of legal compulsion or public necessity that removes hardship and severe difficulty, such as car insurance, Islamic institutions' insurance, and health insurance, especially in the absence of a Sharia-compliant alternative (Takaful insurance). This does not affect the validity of the lease contract.