You are not legally obligated to get tenant insurance but a landlord may require that you get insurance before they rent an apartment to you. Landlords have property insurance for the building or house itself but this doesn't include coverage for the contents of your rental unit.8 feb 2021
Do all states require renters insurance?
No State Mandates Renters Insurance By Law Period. There is no state statute that we are aware of in any state mandating that you carry renters insurance.
What would happen if a renter has no renters insurance?
A landlord can charge you anything they want for not having renters insurance, so long as it's in your lease. A landlord can also use any other remedies if you don't have renters insurance and you're required to. Remember that just because it wasn't in your original lease doesn't mean it's not in your lease now.