Should the landlord require renters insurance for the tenant?
Renters insurance shouldn’t be required for a tenant but it should be mandatory that it is spoken about before a tenant moves in. Most tenants cannot afford or do not believe that it is worth covering. It just all depends, but a landlord cannot force a tenant to protect their belongings. They should be informed that if something does happen, and they do not have insurance, that they are not responsible for any damages or losses. They will have to come out of pocket to get these things replaced and fixed. It should be solely up to the tenant if they want to pay for rental insurance or not. As long as they are aware of the consequences if they do not, then there is not a need for it. Landlords can have some type of requirement where a paper needs to be signed by the tenant stating that they refused it or accepted it. This just goes to show that their decision was documented just in case something were to happen. They will not be allowed to take anyone to court and sue, because it is their responsibility to pay for it. All landlords should take that into consideration.