Why Should Landlords Require Renters Insurance? 
A landlord can usually require tenants to carry their own renters insurance . Some States have regulations that must be satisfied first but most landlords can require it in the rental contract . The major purpose for the landlord is to provide a shield of sorts , from some or all liability associated with the rented dwelling , in the event of a loss to either property or persons . There are several obvious reasons concerning property and liability that make it important for both parties actually . For example , if a renter 's property was damaged by a covered peril , the renter might look to the landlord for recovery . However , absent the landlord 's liability in relation to the loss , the renter would not be reimbursed without their own renters policy in existence . Also , as another example , if a visitor was injured in the renter 's apartment , in the absence of a renters policy , the injured person might look to the landlord as the sole source of reimbursement for injuries , which , of course could be substantial in nature . The landlord certainly has a right to protect him or herself in this instance . It just makes good , logical sense ... all the way around ... for landlords to require tenants to carry renters insurance . 