Is it legal for an apartment comlex to require Renters insurance?

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Sara Routhier

Sr. Director of Content

Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....

Reviewed by
Sara Routhier

Updated September 2011

Apartment complexes are beginning to require proof of insurance from their tenants to be sure the complex or its insurance company won’t have to pay for damages that should have been covered by the tenant.Renters insurance covers your personal property for damages such as fire, theft, vandalism and more. This is a good investment you are protected in the event of a loss. The policy also provides liability coverage for you if your a legally responsible for injuries or damage to the property of others. There is no deductible for the liability coverage, but there is a deductible for damage to your property. A policy can cost as little as $125, so it is well worth the expense. If you damage another person’s property, or property of the complex, you should feel responsible to pay for such damages and you should expect others to do the same.Your insurance agent can provide the apartment complex with the paperwork they require. It will not cost you anything for this proof.

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