Landlord Question and Answer Forum

Can a landlord require renters to carry rental insurance?

Many landlords will require tenants to purchase renters’ insurance. If your current lease doesn’t require it, it can’t be forced.

Posted by Irene S, KY on Friday, August 28, 2015

The laws for this vary by state. I believe CA does not allow this to be a requirement. I suggest a strongly word notice in the lease that the tenant has no coverage of any kind without renters insurance and it is strongly recommended. Have them initial that acknowledgement in the lease.

Posted by Rick K, CA on Monday, August 31, 2015

Landlord definitely needs to do it, if he/she wants to avoid misunderstanding with tenants if something unexpected happen (I mean natural disaster or robbery). Requiring tenants to purchase their own insurance policy is the only real way to protect their possessions. It is also beneficial to have the tenant show proof of such insurance coverage within days of the date of signature of the rental contract.

Posted by Ross A, NY on Friday, December 9, 2016

It seems more and more common that landlords are requiring tenants to purchase renters insurance. I totally agree with all the previous comments. There's way too many instances where something happens and it's not covered under the homeowner policy. I'd definitely recommend requiring tenants to purchase renters insurance as a part of the lease requirement. We recently found an awesome solution that's similar to the Expedia of insurance. You should have your tenants check it out! www.safebutler.com/home

Posted by Stephen W, CA on Monday, July 23, 2018