I am moving to Florida and will be renting for a period. I was told I would need 100,000 Liability coverage for lease approval. This makes no sense since I do not have any ownership in the property. Can they require this legally?

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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: Dec 5, 2017

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Insurance Question from Bay Lake, FL

Asked on 12/05/2017

I am moving to Florida and will be renting for a period. I was told I would need 100,000 Liability coverage for lease approval. This makes no sense since I do not have any ownership in the property. Can they require this legally? The apartment owner states that in order to rent an apartment, I need to take out a liability policy. My position is that I only have a leasehold interest not fee simple in the property and therefore I have no legal standing to obtain liability coverage

Answer given on January 02, 2018

A landlord can require a tenant to have liability insurance before they will rent to the tenant. This protects the landlord in the event the tenant causes damage or injury to someone on the property. That way the landlord may not be held responsible for such damage or injury and it also protects the tenant in the event someone is injured in the apartment due to a fall or similar event.

Some landlords also require renters insurance for personal property for tenants. This may be a benefit to a tenant since liability insurance is included in a renters policy and it protects the tenant for damage to the personal property, plus the liability coverage required by the landlord.  Renters insurance can cost as little as $10-$15 a month, so it is not a financial difficulty for the tenant.  A tenant should always consider renters insurance to protect themselves and others.


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