Can Apartments Make You Get Renters Insurance? 
My response to this question might be a little different . Landlords , or their legal counsel , often require tenants to provide a form of `` Renter 's '' insurance for a number of reasons . First , if a tenant has renter 's insurance , it may indicate they are prudent and responsible . Most would agree it is prudent and responsible for any residential or commercial tenant to maintain adequate property and liability insurance . Before most insurance companies issue an insurance policy , they screen potential insureds to make sure they are responsible citizens and have reasonably good credit . Requiring Renter 's insurance would provide the landlord some assurance the tenant was able to pass those tests . In addition , if a tenant 's negligence resulted in injury or damage to the landlord 's property or injury or damage to other tenants or their guests in the building , the tenant may be responsible for indemnifying the damaged parties . The tenant 's Renter 's insurance would provide some assurance the tenant or his insurer would have the resources to back up that obligation . 