Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 30, 2015

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Insurance Question from Addicks, TX

Asked on 11/30/2015

Will my apartment management know if my renters policy lapses? It is required, but do they have access to a database or something? Will my apartment management know if my renters policy lapses? It is required, but do they have access to a database or something?

Answer given on December 13, 2015

It is not likely that your apartment management company will know if your renters insurance lapses, unless they are listed on the policy as an additional insured or some other attachment to the policy. If that is the case they would be notified if the insurance lapses. You can ask your insurance agent if there is an additional interest on the policy and who it is.In spite of this, if you let your insurance lapse, and there is a loss, the management company can hold you responsible for any damages and/or evict you, since it is a requirement of the lease. Renters insurance is not expensive and can provide you with protection against fire and theft and liability protection. The cost is usually around $10-$15 a month. If the costs are higher for you, you should shop around for the insurance with another insurance company since there are many options for this insurance. You can get discounts if you have your car insurance with the same insurance company.

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