Landlords can legally require renters insurance as a condition of the lease, even though it’s not mandated by law. Many include it in rental agreements to reduce disputes, limit liability and ensure tenants are covered in case of property damage or accidents. Renters insurance also protects tenants by covering personal belongings and offering liability protection if someone is injured in the unit.
Can a Landlord Require Renters Insurance?
To safeguard their interests, some landlords require renters insurance from tenants. Renters insurance offers you financial protection and liability coverage.
Find out if you're overpaying for renters insurance below.

Updated: June 22, 2025
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Key Takeaways
At around $13 a month, renters insurance is a low-cost way for tenants to protect thousands of dollars in property and avoid out-of-pocket losses.
Requiring renters insurance helps landlords reduce liability, avoid legal disputes and screen for responsible, financially stable tenants.
Renters insurance typically covers personal belongings, liability for injuries and additional living expenses after a covered loss.
Compare Renters Insurance Rates
Ensure you're getting the best rate for your renters insurance. Compare quotes from the top insurance companies.
Can Landlords Require Renters Insurance?
Do You Need to Have Renters Insurance?
Renters insurance isn’t required by law, but it’s one of the smartest and most affordable ways to protect yourself as a tenant. If your belongings are stolen, damaged by fire or lost due to a covered event, renters insurance can help you recover without draining your savings. It also covers liability costs if someone is injured in your unit — protection your landlord’s policy doesn’t provide. Here’s what renters insurance typically includes:
- Personal property coverage: Protects your belongings, like furniture, electronics and clothes, if they’re stolen or damaged in a covered event.
- Temporary housing coverage: If your rental becomes unlivable, the policy covers additional living expenses like hotel stays or temporary housing.
- Liability protection: Covers property damage or injuries you accidentally cause to others, including legal defense costs if you’re sued.
- Medical payments to others: Pays for minor guest injuries, regardless of who was at fault.
- Low cost for high coverage: The average cost of renters insurance is around $13 per month for $20,000 in property coverage and $100,000 in liability coverage. You can also compare cheap renters insurance options to find the best deal for your needs.
Renters insurance can’t prevent disasters, but it can keep them from becoming financial crises.
Why Do Some Landlords Require Renters Insurance?
Landlords often require renters insurance as a way to reduce risk, avoid legal disputes and ensure tenants are financially protected in case of unexpected events. While not legally required, it’s increasingly common in lease agreements because it benefits both parties — not just the renter.
Factor | Description |
---|---|
Limits liability for tenant belongings | Landlords are typically not responsible for a tenant’s personal property. Requiring renters insurance ensures that tenants can recover from losses without blaming the landlord. |
Covers pet-related damage or injuries | If a tenant’s pet causes injury or property damage, renters insurance can cover medical costs or repairs. This reduces the chance of the landlord being held responsible. |
Protects against false or inflated claims | Renters insurance can help resolve damage disputes more clearly, especially in cases where the tenant might otherwise blame the landlord’s negligence. |
May lower landlord insurance premiums | Some insurance providers offer lower premiums on dwelling policies if landlords require tenants to carry renters insurance, spreading out potential risk. |
Signals responsible tenants | Requiring renters insurance can help landlords screen for financially stable tenants who are more likely to follow lease terms and less likely to create disputes. |
Renters vs. Landlord Insurance
Landlord insurance covers the dwelling or structure of apartments, while renters insurance covers the personal property the tenant keeps in the apartment. Generally, landlord insurance covers events like fire, wind damage or hail but not tenants' personal property such as furniture, electronics or other items. Any accidental damage caused by the tenant to the building would also not typically be covered by the landlord's insurance.
Understanding the differences between landlord insurance and renters insurance is important for ensuring that your property and belongings are adequately covered.
Renters Insurance
- Covers personal belongings
- May cover accidental damage to the building
- Doesn't cover the physical structure
- Doesn't cover maintenance equipment
Landlord Insurance
- Doesn't cover personal belongings
- Doesn't cover accidental damage caused by the tenant
- Covers the physical structure
- Covers equipment used to service the rental (e.g., lawnmowers, etc.)
What Does Renters Insurance Cover?
Renters insurance protects more than just your belongings. It can also cover temporary housing, liability claims, credit card fraud, spoiled food and even cleanup costs after a covered event. Check your policy details to understand the full scope of protection you're actually getting.
How to Get Renters Insurance
Getting renters insurance is a practical and cost-effective way to protect your belongings. As a renter, making an informed decision about your insurance requires a systematic approach to ensure you get the best policy for your needs.
- 1
Educate yourself
Start by familiarizing yourself with renters insurance basics and its benefits as a tenant.
- 2
Assess your coverage needs
Determine how much coverage you need, then compare renters insurance quotes from different providers to find the most affordable rates for your circumstances.
- 3
Compare policies
When examining various policies, compare the terms, coverage amounts and conditions to ensure you're making a like-for-like comparison and getting the most value.
- 4
Apply for the policy
Once you identify a suitable policy, start the application process. Gather the provider's renters insurance requirements, such as your personal details and a comprehensive inventory of your belongings.
- 5
Get your policy
After completing and submitting your application, you'll receive your policy. You can then enjoy the assurance that your possessions are financially protected.
Should You Require Renters Insurance for Tenants?
Although not required by law, renters insurance often makes its way into rental agreements, as landlords view it as a way to preempt disputes arising from damages to a tenant's property. It also provides comprehensive protection for tenants, safeguarding valuable possessions and providing liability coverage for unexpected mishaps in the rental unit.
Relocation expenses
State laws differ on landlords' obligations after natural disasters. However, in the aftermath of a fire or natural disaster, landlords could face the burden of temporary housing costs for their tenants. Renters insurance can eliminate this concern, as it typically covers the expenses of such temporary relocation.
Reduced risk of lawsuits
The possibility of property damage or injuries caused by a tenant's negligence can lead to legal battles. Renters insurance can shield tenants and their personal property, decreasing the likelihood of lawsuits against landlords.
Cover for property damage
If a tenant's personal property suffers damage due to a covered accident and not due to landlord negligence, tenants can cover their own losses.
Pet-friendly policy
Landlords who accept pets attract a larger tenant base. However, pets also bring potential risks. Renters insurance can cover pet-related incidents, offering additional protection for landlords. Note that renters insurance policies may have specific breed restrictions for coverage.
Lower insurance premiums
Landlords' insurance premiums can increase following a claim. If a tenant's renters insurance covers part or all of a loss, it may reduce the likelihood of an increase in the landlord's own premiums.
Can a Landlord Force You to Get Renters Insurance: Bottom Line
While renters insurance isn't legally required, landlords can include it as a lease condition — and many do. It protects tenants from unexpected losses and gives landlords peace of mind by reducing liability, avoiding disputes and limiting claims on their own insurance.
Whether you're a renter or a property owner, understanding how renters insurance works can help you make smarter, safer housing decisions.
Compare Renters Insurance Rates
Ensure you're getting the best rate for your renters insurance. Compare quotes from the top insurance companies.
Renters Insurance Required by Landlord: FAQ
If you’re unsure whether renters insurance is mandatory (or why landlords include it in lease agreements), these answers can help clarify what’s legally allowed, what’s practical and what you need to know before signing.
Is renters insurance required?
While renters insurance isn't legally required, many landlords stipulate it in their lease agreements and may even ask to be added as an interested party. It's highly recommended for protection against unexpected incidents such as theft, fire or personal liability.
Can you get renters insurance without a lease?
Yes, you can get renters insurance without a lease. It's available for anyone who wants to protect their personal belongings and liability, even if they don't have a formal lease agreement. For instance, if you have a partner or family member who frequently stays with you in your apartment, they can purchase their own renters insurance policy.
Can your landlord make a claim on your renters insurance?
No, landlords cannot make a claim on your renters insurance. Landlords need their own insurance to make claims related to their rental properties.
Can a landlord legally require renters insurance?
Yes. While no state or federal law mandates renters insurance, landlords are legally allowed to require it as a condition of the lease — similar to requiring a security deposit.
Does renters insurance cover damage to the building?
No. Renters insurance covers the tenant’s personal property and liability, not the structure itself. Building damage is typically covered by the landlord’s dwelling insurance policy.
What happens if a tenant doesn’t get renters insurance?
If renters insurance is required and the tenant fails to provide proof, the landlord may issue a lease violation notice or choose not to renew the lease. Some landlords also purchase force-placed insurance and charge tenants for the premium.
Renters Insurance Quotes: Our Ratings Methodology
How MoneyGeek Evaluates Renters Insurance
To help renters understand their options and find the best insurance for their needs, MoneyGeek analyzed data from trusted industry sources and built a scoring system based on real-world performance. We collected pricing and policy data across all 50 states and evaluated companies using four key factors: affordability, customer satisfaction, financial strength and coverage flexibility.
Where Our Data Comes From
- Pricing: Quadrant Information Services
- Customer satisfaction: J.D. Power
- Financial strength: AM Best
- Complaint data: National Association of Insurance Commissioners (NAIC)
- Coverage details and options: Direct from insurers
Each renters insurance company received a MoneyGeek score out of 100, weighted heavily toward affordability. Scores also reflect service reliability, policy features, and financial stability. Ratings may vary based on renter profile, location, and coverage limits.
Profile Used for Quotes
We used a standard renter profile to gather average rates:
- Credit score between 769 and 792
- No claims in the past five years
Coverage Levels Analyzed
Unless otherwise noted, quotes were based on:
- $20,000 in personal property coverage
- $100,000 in liability coverage
- $1,000 deductible
We also expanded our analysis to include renters with higher coverage needs to reflect a broader range of real-life scenarios.
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About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.