Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Can A Landlord Require Mandatory Renters Insurance

A landlord can legally require tenants to obtain renters insurance as part of the rental contract.

As long as it is so stated on the contract, this practice is perfectly legal. However, the policy must apply to every tenant (not just you) and must be clearly stipulated in your lease contract.

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Most renters do not realize that their belongings are not covered under their landlord’s policies.

If there was a fire, a flood, or another natural disaster, the landlord’s insurance policy would cover only the building, and any appliances he/she owns. You and your lost items are on your own!

Who does renters insurance protect?

Some landlords require renters insurance for good reason. Renters insurance protects both you and your landlord. Imagine losing all of your expensive belongings in a fire, theft or tornado. You may even be tempted to sue the landlord for damages in one way or another. Even if you aren’t the suing type, all the money you are spending to replace your lost items may leave you with empty pockets by the time the next month’s rent is due.

Having your own renters insurance policy protects not only you, but also reduces the likelihood that you would blame your landlord for natural disasters or theft.

Having tenants with their own renters insurance policies also tends to lower the premiums on the landlord’s own policy. You can’t blame him/her for wanting to save extra money.

At this point, you might be wondering how your landlord would even know if you decided to buy renters insurance. You will have to submit some type of proof that you have obtained coverage, such as a copy of the policy or other accompanying documents.

Even if documentation isn’t required, it’s best not to fib about this, as you may find yourself evicted for not following the rules of your written contract if your landlord finds out the truth.

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Is renters insurance really a good deal?

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What can you do if you disagree with this policy of mandatory insurance? Your only option is usually to find a new place to live! If you are in love with your new home, or already signed your name and paid the first month’s rent, then you are probably stuck with purchasing the required amount of insurance as stipulated by your lease.

The upside of all this is that an average policy for a year can run you as low as $200 and also give you a peace of mind that your items are protected. You don’t want to have to deal with the emotional loss of all your items in a fire while also having to deal with the financial burden of replacing all of them yourself.

You may feel that you don’t have much stuff to replace, but take another look around you. That expensive mattress and bed frame, that desktop computer you take for granted, any expensive jewelry, your flat screen television, or even your old tube TV would all cost a “pretty penny” to have to replace all at once.

What if someone gets hurt in my rented home?

Another upside to having renters insurance is the protection it gives you in the event of an accident. Ordinarily, if someone comes to your apartment and injures himself/herself due to your negligence, you are responsible for their bills, not your landlord.

require renters insurance

Renters insurance often covers these types of occurrences, so you can relax and not worry about liability. Yet another advantage is the fact that some of your property can be protected by such a policy, even when it leaves your home.

For example, if that laptop computer of yours goes missing while on vacation, it may be covered by your renters insurance policy. You may also be able to get a discount on your car insurance if you are purchasing the new policy through the same company. The pluses keep adding up.

If you have come across a mandatory renters insurance requirement, you may want to try to be understanding and see the bright side. Your precious belongings will be covered, and you are less likely to have a bad relationship develop between you and your landlord. You may find that it is a small price to pay for such tranquility.

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