In the case of renter's insurance, yeah, they're generally only concerned with your stuff. The structure is someone else's problem.
Even in the case of homeowner's insurance, when we moved in, the agent came to our house for an "inspection". I say inspection because I'm sure it was nothing more than "look for existing damage so they can't file a claim later". He did take rough measurements, looked around, and asked if we had a dog or dogs and if so, what breed. As far as I know, he knew
nothing about structures, wiring, plumbing, etc -- he was not a "home inspector". Years later, we switched, and the agent had one of his assistants do a "drive-by" inspection. Nothing more....
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I did find some stuff while Googling about some carriers will refuse to write a policy
if they know there's AL wiring, but nothing done after the fact. That's a different matter though.