Is Renters Insurance Optional? 
For the vast majority of renters , a renters insurance policy is optional . Some landlords will require that the tenant own a renters insurance policy and name them as an additional insured . It is important to note , however , that as a renter you are responsible for injuries and accidents that happen on the rented property . You are also responsible for damage to the unit and if your property is damaged because of a covered peril , your landlord is not responsible to make you whole . Those are things that a renters policy does . 