As for the apartment Gotti used to conduct meetings, he probably assumed that the F.B.I would never bug a civilian's home. Well, we all know that ain't the case.
He should have known better. If he knew or suspected that the Ravenite was bugged, he should have been wary of talking in that apartment, which was right upstairs--especially since it was rented to the widow of a Gambino soldier whose name logically would be known to the cops.
Worse, he really didn't conduct much business there (he did on his walk/talks). The transcripts of the bugs show he used the place to brag and swagger ("I'll sever his MF head..." "I killed him because he didn't come in when I called...")
