And how exactly do you "force" the deadbeat broke tenant that trashed your house to return it to its original condition?
Add to that loss of rents for multiple months (while the landlord has to pay mortgage, insurance, taxes) and damages to property, and now you're asking a landlord to pay tens of thousands of dollars of their money.
Throwing around general statements like these when you don't actually know about the topic doesn't help the conversation.
Renters insurance primarily covers damage to _their_ property and only some narrow cases of damage to the unit (e.g. fires, flooding, etc.). A deadbeat tenant also will likely not be paying for insurance past the first month.
To give you some perspective, the eviction process costs around $20000 right now in legal fees. And you'll need to pay them, because the commie "housing justice" redistributionists know all the procedural tricks to delay and derail the process. Even in the best case, you're looking at a year of delay, and it can be more than 2 years for people with children. So that can be $100k+ of loss.
No insurance company is going to assume these kinds of risks without sky-high premiums.