Who Pays For Renters Insurance? 
The landlord doesnt have any obligation regarding the personal property of a tenant . The landlord is not responsible for anyone injured on the premises . The tenant is responsible for bodily injury and physical damage that occurs on the rented premises . The tenant is responsible for any property damage that might occur to the rented unit . Regardless of the cause , the tenant is responsible for any personal property damaged at the premises . The renters policy provides the protection that the tenant requires . The tenant pays the premium . 