Can Landlord Make You Get Renters Insurance?

Renters insurance is a type of insurance coverage that helps protect your belongings in the event of damage or theft. Many landlords require their tenants to have renters insurance, but can they actually make you get it? In this blog post, we’ll explore whether or not landlords can make you get renters insurance and what your options are if they do. We’ll also provide some tips on how to find the best renters insurance policy for your needs.

Do you need renters insurance?

If you’re renting an apartment, condo, or house, you may be wondering if you need renters insurance. The answer is maybe. While your landlord’s insurance policy covers the building itself, it generally doesn’t cover your personal belongings or liability in the event that someone is injured while on the premises. So, if you don’t have renters insurance and something happens, you could be held responsible for the damages.

Of course, whether or not you need renters insurance is ultimately up to you. If you don’t have much in the way of valuable possessions, or if you’re confident that your landlord’s insurance will cover any damages, then you may not need it. However, if you have a lot of expensive items or are worried about being held liable in the event of an accident, then renters insurance may be a good idea.

ALSO READ  Best cheap car insurance in West Palm Beach

How much does renters insurance cost?

The average cost of renters insurance is about $15 per month, or $180 annually. However, the amount you’ll pay for your policy will depend on a number of factors, including the value of your possessions, the amount of coverage you need, and the deductibles you’re willing to pay.

What does renters insurance cover?

Renters insurance covers your personal belongings in the event that they are damaged or stolen. It also provides liability coverage in the event that someone is injured while on your property. Most landlords require renters insurance as a condition of lease agreement.

Where can you get renters insurance?

If you’re renting an apartment, house, condo, or any other type of dwelling, your landlord may require you to get renters insurance. This is because your landlord’s insurance policy typically only covers the building itself and not your personal belongings.

Renters insurance is relatively inexpensive and easy to obtain. You can typically get a policy for a few hundred dollars per year, which will cover your personal belongings in the event of theft, damage from a fire or other disaster, or if someone is injured while on your property.

There are a few different ways to get renters insurance. You can purchase a policy directly from an insurance company, through an independent agent, or from your landlord (if they offer it).

If you’re looking for the most affordable option, buying directly from an insurance company is typically the best way to go. However, if you want more personalized service and assistance in choosing the right coverage for you, working with an independent agent may be a better option.

ALSO READ  Does Insurance Report To Carfax?

How do you file a claim with renters insurance?

If your rental unit is damaged or destroyed in a covered event, you’ll need to file a claim with your renters insurance company. The first step is to notify your agent or company as soon as possible. You’ll then need to provide a detailed account of the damages, along with any supporting documentation, such as photos or repair estimates. Once your claim is filed, an adjuster will be assigned to evaluate the damage and determine the amount of coverage you’re entitled to.


The answer to the question posed in the title of this article is a resounding “Yes!” Your landlord can, and likely will, require you to get renters insurance as a condition of your lease agreement. While it may seem like an unnecessary expense, renters insurance is actually very affordable and can protect you from financial ruin in the event that your belongings are lost or damaged. So if your landlord asks you to get renters insurance, be sure to do your research and find a policy that meets your needs and budget.