Can A Landlord Force Renters Insurance?

  1. 1370 POINTS
    Jack Heller
    Owner, Insurance Browser,
    the short answer is YES. You are the tenant and agree to abide by the rules the landlord sets out. This may seem a bit arbitrary but your landlord is looking to you to make good on the liabilities you create. For example you have a pet dog that you take out and walk daily. But one day it gets a way from you and bites a fellow tenant and neighbor. In the litigious world we are in the person bitten may take civil action against you and the landlord. Things will be a lot better fro the landlord if you have a way of paying for the damages through your insurer if you caused the loss. 
    Answered on December 17, 2013
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  2. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    NO they can not force you to have renters insurance but they can choose to not rent to you if you do not get renters insurance. Most renters policies are on average $100 a year depending on your state that is with 40K worth of coverage on your contents and 100K in liability coverage. It is well worth the cost and in many cases if you bundle it  with your auto insurance it lowers your auto insurance I have seen in many cases  it lowered your auto insurance 10 a month and the renters insurance is less then 10 a month so this puts you ahead . Contact a local independent agent and they can help you muddle through what works best for you
    Answered on December 17, 2013
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