While renters insurance is not required by law (unlike auto insurance), it is legal in most states for your landlord to require you to have a renters insurance policy. While this might feel like an irritating additional expense, renters insurance can be just as helpful to you as to your landlord.

Renters insurance is not required by law, but it is legal for your landlord or management company to require that you and other tenants in your apartment building or house have renters insurance as terms of your lease agreement.

Landlords can require tenants to carry renters insurance as long as it is specified in the lease and required of all tenants who live in the rental property. Renters insurance is not required by law, but a tenant with coverage can benefit both the landlord and the renter.

No state requires renters insurance for tenants of homes or apartments, but some landlords may require it. Check your lease agreement to see if your landlord requires you to carry a policy. If not, the choice is up to you and how much you want to risk not having it.

Getting the best renters insurance can protect you when the unexpected occurs. When Is Renters Insurance Required? Renters insurance isn’t required by law, but a landlord may require you have a renters insurance policy as part of your lease agreement.