Can A Landlord Force You To Buy Renters Insurance? 
If your lease agreement has a clause requiring Renters Insurance , yes , the Landlord may enforce the clause thereby forcing you to buy Renters Insurance or being in breach of the contract . Renters Insurance is a valuable coverage ; many renters simply deny the issue due to the small cost of coverage . In our many years in business , we have seen a variety of claims ; the following is just a short synopsis of the necessary protection . Renters Insurance includes Personal Property Coverage and Personal Liability Insurance . Liability Insurance being the more important coverage as this is where a legal action against the renter could cause undue hardship . If a fire or water damage claim is caused by the renter , the renter would be negligent and therefore liable for the damage caused . Although the property may be insured , the insurance carrier of the Landlord would subrogate and may bring legal action against the tenant . Personal Property coverage would provide protection against theft , fire and water damage to the contents of the renter . The Landlord 's insurance does not cover the tenant 's property in any way ; neither does it allow for legal protection of the tenant . Should a tenant not be interested in this valuable protection , we recommend purchasing the minimum available personal property coverage with the minimum liability protection of $ 100,000 . This coverage would cost in the range of $ 100 - $ 300 per year depending on the region of the country and the specific insurance carrier underwriting the risk . You may obtain a Renters Insurance quote online at : WEBSITELINK 