Can You Legally Require Renters Insurance? 
Consult your attorney over legal questions , but it can be very easy to insert an insurance requirement into a lease agreement . Think about it . On a Homeowners ' policy you are required to have insurance by your mortgage company and to have them named on the policy . They do that because they want to make sure that thier interest is protected . Frankly , I always advise my clients who have rental properties to have such a clause included in the rental agreement . Having such proof of coverage in force for your tenant protects your interest as the property owner . 