do i have to have tenants insurance by law?

i am currently renting a property and my landlady today has asked if i have contents insurance when i asked her why she said i have to have it to insure things like her carpets if i burn them and if i flooded the bathroom,my contract only states that she has to insure the property against fire etc there’s nothing about me having to in my contract,i have contents insurance for my possessions, if its not in the contract do i still by law have to have it

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