Is Renters Insurance A Legal Requirement? 
Renters Insurance is NOT a legal requirement however that does not mean it is not required to move into an apartment or house . The landlord can and usually does make this a requirement which protects you from loss of your material possessions in the event of a fire or other catastrophic event covered . Be sure to look at your options on the Renters Insurance . I recommend getting the replacement value type of coverage v. current value . Think about what it will cost to replace items like your TV -LRB- versus what it is currently worth -RRB- , your mattress and other bedroom furniture , etc. . 