Is It A Law To Have Renters Insurance? 
California law does not require tenants to purchase a renter 's policy . The tenant should understand that they have two major liabilities . The first is that someone could be injured while in the property owned or controlled by the tenant . A resulting lawsuit could be devastating . The second is that although the landlord routinely insures the structure he or she does not provide any coverage on the tenant 's personal property located inside the structure . This means that all you own could go up in smoke ! These policies are relatively inexpensive and should be given serious consideration . 