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Had an apartment. Guy's girlfriend upstairs smoked. His apartment caught on fire when she fell asleep smoking in bed. Guess where the water goes when the fire department put out the fire. And that's not just water, it's water mixed with toxic soot. No more apartment.
Neighbour had a garden with trees, guess where the tree fell during a storm? No more single houses... /s
You can litterally find examples for downsides like that of any kind of housing arragements.
Yup, but this is mine. I don't ever wish to live in an apartment. I want my own space. I can site way more examples than this. But, hey, you like apartments? That's great, YOU go live there. Live and let live.
...insurance?
Technically it was above me and across the hall. The water came in on one side of my apartment and I was able to close off those rooms and only lost a few things. The water that came in was black, just running down the walls like a horror movie. I just threw them away those few items. It made the apartment unlivable though due to the smell and toxins. My neighbor across the hall had it worse though and insurance paid to have all of her stuff treated. Apparently the stuff is brought to a facility and they expose it to ozone for a while(weeks if I remember correctly). She wound up buying a house and I moved in with her.
Insurance companies really do a great job of replacing those family heirlooms. They always over compensate for sentimental value. They also make it super easy to collect on a claim and they never raise their rates after paying a claim.