Can Renters Insurance Be Mandatory? 
Renters insurance is not required by any state statute that I know of . A lease , however , is a contract negotiated between a tenant and a landlord . The landlord can make a tenants policy a requirement for leasing property to you . He might do that to protect his interests in the event of a lawsuit arising from your occupancy of his property and he might also want to make it clear that he is not responsible for your property , even if the unit is damaged by a covered peril and your property is damaged as well . 