Can landlords require renters insurance?

Imagine this: You’ve finally found the perfect apartment. The location is just right, the space feels like home, and you’re ready to sign the lease. But there’s one more step — your landlord asks you to buy a renters insurance policy before you move in. Is that allowed?

The short answer is yes, landlords can require renters insurance. It’s common practice that helps protect both you and your landlord from unexpected events. Let’s explore why renters insurance is important, how it benefits you, and what steps to take if your landlord makes it a requirement.

Why do landlords require renters insurance?

Landlords want to protect their property and reduce the financial risks. By requiring renters insurance, they may feel more confident about:

• The restoration and replacement of rental property you’ve broken or destroyed
• Protection from liability claims if someone’s injured in your unit
• Allowing tenants to have dogs
• Controlling their property insurance premiums

How does renters insurance benefit you?

Your landlord's insurance covers their property — not yours. Renters insurance steps in to help protect you from unexpected losses caused by theft, fire, or other covered events. Here’s how it works for you:

Personal property coverage

You’ve worked hard for the personal belongings that make your home uniquely yours, and they deserve to be protected. If your electronics, furniture, or jewelry are stolen or damaged, renters insurance may help pay for repairs or replacements, even if the loss happens away from home.

Learn more about renters insurance coverage that follows you. 

Liability coverage

Say you’ve just mopped the floor, and your friend slips and falls, breaking their arm. Your renters insurance can help cover medical expenses and legal costs — up to your policy limits — if you’re found responsible.

Loss of use protection

If something happens to your building, such as a fire, and you must make temporary living arrangements, your landlord won’t foot the bill. Fortunately, the loss of use portion of your renters policy may help pay for lodging and meals while your unit is being repaired. Again, coverage applies up to your policy's limits after a covered loss.

What if you don’t get renters insurance?

Though there’s no law forcing tenants to get renters insurance, landlords often mandate coverage through a clause in your lease. Keep in mind, if you sign a lease requiring renters insurance, you must get it.

You might be allowed a short period of time to pick up your renters insurance. If you don’t follow through, your landlord may take actions outlined in your lease, which could include a warning, fine, or eviction. Before signing a lease, read through it and ask your landlord if you have questions.

Steps to take when renters insurance is required

Here’s what you’ll need to do if your landlord requires renters insurance:

• Get a quote for renters coverage
• Purchase a policy that fits your needs
• Make sure your coverage is active for the entire lease period
• Provide proof of insurance to your landlord

Doesn’t my landlord’s insurance cover my stuff anyway?

It’s a common misconception, but your landlord’s insurance doesn’t cover your personal belongings. Their coverage includes the building and any structural damage to their property. Protecting what’s yours is up to you.

Find out more about why landlords may require tenants to get renters insurance.

How much does renters insurance cost?

Renters insurance is more affordable than you might think — often costing less than a night out with friends each month. But the actual cost of your renters insurance depends on factors like the value of your belongings, your location, and any extra coverages you might opt for, like identity theft protection, pet insurance, or home business coverage. An American Family agent can help you customize a policy to fit your lifestyle and budget.

Ready to protect your dreams?

Connect with an American Family Insurance agent to talk about your renters insurance options. You’ll gain peace of mind knowing you’re protecting the things that make your rental space your home.

This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. This information does not, and is not intended to, constitute legal advice. You should contact your attorney for legal advice specific to your situation.

This information represents only a brief description of potential coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.