A while back there was a dhcr opinion letter suggesting renters insurance may be illegal under RS. A complaint was filed with DHCR regarding a mandate, and the RA and its par didn't rule or mention the matter at all. Apparently, Renter insurance may be allowed for non-regulated units as a requirement and even if its a non RS affordable unit, though there was no disclosure on registration or regualtory agreement, a lease template was approved, but templates are usually blank as unit rent or building may have different numbers.
If anyone knows anything about this, chime in. It may be wise to have insurance anyway but often-times a great policy that's decent may not have what the landlord wants.