Insuring the building itself is far more risky when there's many tenants with relatively unknown risk profiles who could cause damage (leave the bathtub on all

Insuring the building itself is far more risky when there's many tenants with relatively unknown risk profiles who could cause damage (leave the bathtub on all night, pour oil and unflushables down the drains and sewer pipes, put pizza boxes on the stove top and leave them on, smoke next to curtains, etc.). Not sure if that's the reason here.