Renters Insurance Is It Required? 
The majority of landlords require their tenants to have renters insurance with a lease provision . No state law requires renters insurance , aside from a few local laws pertaining to people with certain breeds of dogs who must maintain liability insurance . But it 's certainly a good idea to have , because one break-in or fire would devastate you . Renters insurance replaces your property in a matter of days , as opposed to the years you 'd have to work to replace one thing at a time as you can afford it . 