A landlord asks about requiring tenants to carry renters insurance as the question this week for veteran landlord and property manager Hank Rossi.

Dear Landlord Hank:

Do you require your tenants to carry renters insurance? If so do you require them to add your name to the policy?-Chris

Hi Landlord Chris,

We don’t normally require a tenant to carry renter’s insurance but we strongly advise tenant to do so, in the lease.

There is a paragraph devoted to telling the tenant that the insurance the owner carries is for the building, and does not cover the tenant, and they could lose everything through a natural disaster, fire, bursting pipes, criminal acts, etc.

We ask to be notified if a tenant is going to buy a renters insurance  policy, and then we do require that the owner is listed on the policy, as an extra layer of liability protection, for the owner.


Hank Rossi
Each week I answer questions from landlords and property managers across the country in my “Dear Landlord Hank” blog in the digital magazine American Rental Property Owners and Landlord Association.  www.arpola.org/blogs

Other recent Dear Landlord Hank posts you may have missed:

If A Good Tenant Loses A Job How Long Before You Evict Them?

How Do You Raise Rent For A Long-Time Tenant?

 How Do You Know When To Change Property Managers?

 Where Do You Draw The Line On Normal Wear And Tear?

Dear Landlord Hank: Do You Conduct Rental Inspections? How Often?

Dear Landlord Hank: How Do I Motivate My Tenants To Conserve Water?

Is An Old Drug Conviction A Big Deal?

Dear Landlord Hank: Should I Give A Tenant More Time To Pay?

Dear Landlord Hank: Tenant’s Sewer Line Clogged With Tree Roots

Do you require tenants to carry renters insurance?cannot pay rent

Landlord Hank at work on one of his properties