Assuming in your written lease agreement with your landlord you agreed to have renter's insurance and your landlord's name and address was placed as an additional insured on your renter's insurance policy, the insurance agent has a contractual obligation to advise your landlord that you are late with your premium payment.Tha rationale is that if you let your policy lapse and something happened to the rental you have, your landlord's insurance policy (assuming there is one) or your landlord would be personally responsible for any repairs instead of your own insurance carrier.