My experience couldn't have been more different. They started insisting I didn't have renter's insurance midway through the second year. I provided them evidence every month for the remaining 7 months of the lease, which they would "lose" by the next month. Didn't matter how well I recorded providing them the information.
When I moved out, they exercised their unannounced walkthrough clause two weeks before the actual date, when I still had property in the unit. These photos were used as evidence that I had left things behind to keep my deposit, despite being provided photos of said items at my new place.
They pulled the same renters insurance thing with me too! I submitted 10 different variants to their automated system before it was accepted. Part of it was to changing the company name they needed on it mid way through.
When I moved out, they exercised their unannounced walkthrough clause two weeks before the actual date, when I still had property in the unit. These photos were used as evidence that I had left things behind to keep my deposit, despite being provided photos of said items at my new place.