Is Renters Insurance A Requirement? 
Generally speaking , renters insurance is not a requirement by law however , the apartment or home you are renting , the landlord can make this a requirement in order to lease or rent . It is a good idea anyway . The cost is inexpensive but the coverage may be critical . Be sure to look at the type of insurance you are purchasing . I recommend a policy that will provide you the replacement value versus the current value of your stuff . Keep a good inventory as well . 