Is Renters Insurance Required By Law? 
Renters insurance is not required by law in California . I doubt that it is required in any state . That it is not required doesnt make it any less important . As a tenant you have legal liability for everything that takes place at the rented place . If someone is injured , you can be sued . Your personal property is not the responsibility of the landlord , it is yours . If there is a fire , your property can be reduced to smoke and no one is legally responsible to pay you for the loss . These are the reasons it just makes good sense to have a renters policy 