Landlords can require it, and it’s usually worth having. Your landlord’s insurance covers the building, not your belongings or your liability — renters insurance does. Many leases now require a policy, which is generally enforceable, and the cost is typically modest for the protection it provides.
Renters insurance fills a gap most tenants do not realize exists: the landlord’s policy protects the building, not your possessions or your personal liability. If a fire, theft, or water leak damages your belongings, or someone is injured in your unit, renters insurance is what responds. Landlords increasingly require tenants to carry a policy, and that requirement is generally enforceable as a lease term. Given how inexpensive most policies are relative to replacing everything you own, it is usually worth having even when it is not required.
Yes. Requiring a policy is a common and generally enforceable lease term. It protects your belongings and liability, not the landlord’s building.
No. The landlord’s policy covers the building. Your belongings and personal liability are covered only by your own renters insurance.
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