When Is Renters Insurance Required? 
The only time renters insurance is actually required is if the landlord makes it a condition of the rental agreement . Landlords may do this in order to protect themselves from a potential law suit brought on by the tenants negligence . Other then that a renter is free to chose whether they wish to purchase renters insurance to protect their belonging , loss of use and liability or self insure and assume all the risk themselves by not having renters insurance . Renters insurance is so remarkably inexpensive for the protection you get I do not see why anyone would not obtain renters insurance . 