Requiring Proof of Renters Insurance: Landlord Rights & Practical Steps

Answer

Short answer: Yes — landlords and property managers may require tenants to carry renters insurance and to show proof as a condition of tenancy, but state laws don’t generally force tenants to buy a policy and rules vary by program and jurisdiction. It’s important to put any requirement in the written lease and to follow nondiscrimination and notice rules (for example, HUD-assisted tenants must be treated the same as other tenants).

What counts as “proof”: landlords typically ask for a tenant’s declarations page or a certificate of insurance (COI) that shows the policy number, effective dates, coverage limits and insurer contact. Many managers request proof at move-in and then annually (or whenever a policy is renewed). Requiring an insurer to name the landlord as an interested party so you get lapse notices is common; demanding to be added as an additional insured is possible in some cases but not always available on a tenant policy — so specify what you need in the lease.

Typical policy expectations & cost
Most landlords set minimum liability or personal-property standards (common ranges are around $100k–$300k liability), but exact limits are negotiable and should match local practice and risk. Policies are generally affordable — many renters pay roughly $15–$30/month depending on location and limits — so state-level affordability concerns are worth noting when drafting requirements.

Enforcement and fair housing
If the lease requires insurance, failure to provide proof is a lease violation and you may follow lease remedies (notice, cure period, fines or termination) consistent with state landlord-tenant law. Don’t use self-help (changing locks or disposing of property); follow statutory notice, cure and eviction procedures. Treat all applicants and tenants consistently to avoid discrimination claims.

Practical checklist for landlords

• Write the insurance requirement clearly in the lease (required coverage, minimum limits, proof type and timing).
• Specify whether you want the landlord listed as an interested party or additional insured.
• Request a declarations page or COI at move-in and on renewal; keep records of submissions.
• Follow state/local notice and remedy steps before pursuing termination or eviction.

Because rules and acceptable proof vary by state and housing program, it’s advisable to consult a licensed attorney or experienced property manager when you craft lease language or enforce an insurance requirement. Clear lease terms, consistent enforcement and documented proof protect both landlords and tenants.