Is Renters Insurance Mandatory? 
Renters insurance is also known as a tenants policy . I am not aware of a state that requires a tenant to have a policy . I am aware of landlords who will not let out a unit without one . The landlords motivation is to clearly identify that he is not responsible for your personal property and that you are responsible if a lawsuit is filed because of something that happened on the rented property . The tenants policy is an inexpensive way to handle risks that you can not afford to handle alone . 