Why Do Landlords Require Renters Insurance? 
The reason why landlords want insurance is to protect themselves for either property loss or a liability suit . If you are a tenant in a commercial building and a client of yours gets hurt on your premises then that client may potentially sue you . If you have no insurance the client may sue the building owner just because it 's the landlords building even though the tenant may be the party who caused the loss . Same is true for private residences . The landlord does not want to take on a suit because your friend fell down in your home . Now for the record , just because the victim goes after the landlord does not mean you are off the hook as a tenant . If the landlords insurance ends up having to pay a claim you can almost surely bet they are coming after you so my suggestion is carry the insurance . There are way to many upsides and virtually no down side . 