Can an apartment complex force you to get renter's insurance?

11 Answers

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  • 6 months ago

    no...............................

  • 6 months ago

    Yes, that can be made a condition of tenancy.

  • 6 months ago

    They can include it as a requirement in the lease. Which means yes - you have to get insurance.

  • 6 months ago

    Yes.  If that is their policy, you either abide by it or you don't live there.  If you already live there, get it or be evicted.  Your choice.

    Source(s): Certified Paralegal, with 25+ years' experience & with Landlord & Tenant law experience.
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  • Judith
    Lv 7
    6 months ago

    They might require it; yes, as part of the lease.  Otherwise, no.  Renter's insurance is pretty inexpensive.  Pretty stupid not to have it.

    I've lived in this building for 10 years and they've had 4 fires.  Because the ceilings, floors and walls are cement the fires were confined to the units they started in but two of those apartments were gutted and fire and smoke damage impacted belongings in the other two units.  Personal belongings are NOT replaced by the apartment owners; only through your own renter's insurance which also insures you against theft and damages.  It also insures you if someone injures themselves while visiting you.

  • 6 months ago

    yes, but they can't add it in mid lease, if your lease doesn't require it, they have to wait until the lease expires...

    but why would you choose to be stupid. its about $10-$15/month. It not only covers your possessions from fire, theft, etc. It pays for a hotel if the apartment is not habitable. It also protects you if you are sued. Just had a ridiculous situation in my condo complex....where a visitor was negligent and injured himself (it was a boo boo, but he went to the hospital....and sued the resident...her insurance fought for her and essentially told the person to shove it.....without insurance she would have had to hire a lawyer or pay the hospital bill...or try to get lucky fighting it herself.

    Renters insurance protects you from liability....

    I also know of a couple situation where tenants caused a lot of damage (started a fire/.caused a flood)....they were responsible for the damage, their insurance paid for it.

  • Scott
    Lv 7
    6 months ago

    Yes, they certainly can. Why would you not want to have it?

  • R P
    Lv 7
    6 months ago

    Yes, as long as it is stipulated in your lease as a requirement.

  • 6 months ago

    Yes and they should

    It's cheap.

    Protects you and them.

  • Pearl
    Lv 7
    6 months ago

    depends on where you live

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