Does your lease require renters insurance

Many landlords now require it. Here is how to check, and what to do if yours does.

By the InsuranU team Updated July 20262 min read

It is increasingly common for leases to require renters insurance, even though it is rarely legally mandated.

How to check

Look for a clause specifically mentioning renters insurance or liability coverage in your lease. Ask your landlord directly if it is unclear.

It protects them if U cause damage or if someone is injured in your unit, shifting some liability risk away from their own policy.

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More from the renters insurance checklist.

What it means and how to do it.

What your landlord actually needs to see.

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Is renters insurance ever legally required?

Rarely by law, but it is common for landlords to require it as a lease condition.

What happens if I do not get coverage my lease requires?

Your landlord could be within their rights to require it as a lease violation, so it is worth complying.

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