Does Renters Insurance Protect Landlord? 
Yes , Yes & Yes !!! Although Renters Insurance is designed to protect the Personal Belongings of the Renter , the policy also includes Personal Liability Coverage . There have been endless numbers of cases in Small Claims Court where there are issues between Landlords and Renters following damage to rental units . With the presence of a Renters Insurance Policy , the insurance company will investigate the claim and find if in fact the renter 's negligence caused the loss ; if so , the damage repairs will be covered by the tenant 's personal liability section of the Renters Insurance Policy . In some States , the Renters Insurance Policy is a requirement under the conditions of the standard rental agreement ; however , it is prudent of Landlords to require Renters Insurance . As a rhetorical question : ` Would you wish to rent your property to a tenant not concerned with insuring their own belongings ? ' Renters Insurance is very inexpensive and contrary to common belief , you do n't have to speak to a salesperson to obtain a quote and buy the insurance . In many States , the minimum coverage is $ 10,000 or $ 15,000 of Personal Property and the policy automatically comes with $ 100,000 of Personal Liability . Depending on your selected deductible , the premium may be as low as $ 100 per year . If you are responsibly cautious only about the liability issue , we would recommend selecting the highest deductible since this will generate the lowest premium ; the deductible does n't apply to the liability section . For an online free quote and online platform to buy renters insurance online , you may use : WEBSITELINK This link will allow you to get an online quote , select the coverage and deductible you desire and issue the policy online . For further details or to review your present coverage , you may contact a licensed company representative toll-free at : 877-931-3368 . 