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Can an apartment complex force you to get renters insurance?
I’m looking for a new apartment. One building says that they require renters insurance. Can an apartment complex force you to get renters insurance?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, an apartment complex can require that tenants carry renters insurance.
Even if your state does not legally require renters to carry insurance, landlords can require it as a condition of leasing in their building. They can demand that renters carry a certain level of personal liability. You may have to provide proof of insurance before you can sign the lease.
Renters insurance gives the renter valuable personal and property liability protection. This means that your stuff is protected from covered incidents like fires, windstorms,
theft
, and vandalism up to your policy limit. Plus, if an accident happens in your unit and someone sues you, your policy will cover some legal costs.Your premium depends on how much coverage you need and where you live. In most states, the cost of renters insurance is between $10 and $20 per month. That’s a good deal for a policy that could pay out thousands of dollars in a covered incident.
If you need
renters insurance
, use the Jerry
to quickly compare rates and sign up for an affordable policy. Our friendly agents can answer questions and help you navigate the process.Hope this is helpful—and hope you find a great apartment!
View full answer
- Gregory R.
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