Can you be barred from getting renters insurance?

I always thought renters insurance was mandatory, but weirdly my grandpa's apartment manager has told him that he's not allowed to take out a renters policy. If he does, the manager said he'll face legal action. Is this allowed?

Answer
“That is very strange! While renters insurance is often mandatory (usually at the discretion of the property owner), I can think of no situation where it is prohibited, since the insurance would only extend to the renter’s personal property, liability, and additional living expenses if the apartment were to become uninhabitable.
You should reach out to your state’s Department of Insurance; I do not believe that they will discourage your grandfather from obtaining an insurance policy. The apartment manager would also not know if he has a policy, since he is not required to disclose this information to them.
This question raises some red flags; I suggest looking into the reputation of this apartment complex and checking your grandfather’s rental agreement. “
avatar
Shannon Martin
Answered on Apr 08, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free