Why Would A Landlord Require Renters Insurance? 
In my experience , landlords , or their lawyers , require tenants to provide insurance for a number of reasons . First , it shows the tenant is prudent and responsible . Most will agree it is prudent and responsible for any residential or commercial tenant to maintain adequate property and liability insurance . Before most insurance companies issue an insurance policy , they screen potential insureds to make sure they are responsible citizens and have reasonably good credit . If someone is able to secure insurance coverage , a landlord would have some assurance the tenant has passed those tests . In addition , if a tenant 's negligence causes injury or damage to the landlord 's property or injury or damage to other tenants or guests in the building , the tenant may be ultimately responsible to indemnify the damaged parties . To have some assurance the tenant has the resources to back up that obligation , the landlord often requires the tenant secure specific amounts and types of insurance . 