No U.S. state legally requires renters insurance. But that's not the whole story: landlords can require it as a condition of your lease, and most now do — typically $100,000 in liability, with proof before you get the keys.
Why landlords require it
Your landlord's policy covers the building, not your belongings or your liability. Requiring renters insurance shifts responsibility for tenant-caused damage and injuries onto your policy — and protects them from being dragged into your claims. Larger and professionally managed buildings almost always require it; smaller landlords increasingly do too.
What the lease usually asks for
Commonly $100,000 in personal liability (sometimes $300,000), proof of coverage before move-in, and occasionally that the landlord be named as an 'interested party' so they're notified if your policy lapses. Read the lease — some specify minimum limits.
What happens if you don't carry it
If your lease requires it and you let it lapse, you're in breach of the lease — grounds for penalties or, in the worst case, eviction. Even without a requirement, going without means a fire, theft, or liability claim comes entirely out of your pocket.
Should you carry it anyway?
Almost always yes. At ~$14/month it covers your belongings, your liability, and temporary living costs. The only real question is which carrier is cheapest for you — enter your ZIP to compare.
Bottom line: it's not required by law, but it's required by most leases — and worth carrying regardless. Compare carriers so you meet the requirement at the lowest price.
Frequently asked questions
Is renters insurance required by law?
No state legally requires it. However, landlords can and usually do require it in the lease, typically $100,000 in liability.
Can a landlord require renters insurance?
Yes. It's a legal lease condition, and most landlords require proof of coverage before move-in.
What happens if I don't have required renters insurance?
If your lease requires it and you don't maintain it, you're in breach of the lease — which can lead to penalties or eviction.
How much liability coverage do landlords require?
Usually $100,000, sometimes $300,000. Check your lease for the exact minimum.
Related: Renters Coverage Calculator →