1 year language school, private apartment. What to do about liability insurance?

Hi all,

I am moving to Fukuoka in April for 1 year for a language school.
I am getting a private apartment through the school there. The apartment is contracted out to another company that deals with the apartments. One thing that has me a bit worried is that the school mentioned that the fees that I paid do not include the typical fire insurance (renters, liability, etc).

The school recommended that if I want liability insurance, I should probably go through travel insurance. They have their own recommended partner for it, but it is a normal travel insurance that happens to also include liability insurance. It will roughly cost 410€/500USD. From what I understand, typical renters insurance costs between 100,000 Yen – 200,000 Yen for the duration of the apartment contract. I am wondering if I should just cough up the 400€ for simplicity, as I am unsure how difficult it is to deal with once I am in Japan. I am mainly worried about potential damage costs to the apartment on move out.

Does anyone have any experience with this, and can offer any insight or suggestions?

Thanks!