Do you have to have renters insurance? My landlord seems to think I do, but I can’t find anything in the city codes that force me to. I think he’s blowing smoke. Can you confirm that?
No, sir, no smoke here! Find out why, and if you do, in fact have to get renters insurance.
Do You Have To Have Renters Insurance?
While it’s always a good idea, the answer is dependent on what your lease says. The answer doesn’t depend on city code, ordinance, state law, federal law, or anything of the sort. Generally speaking, it’s been held that the landlord can make you stand on your head and whistle Dixie if it’s written into the lease in a properly enforceable provision.
The question then becomes, why wouldn’t you want to have renters insurance? Some people just get bothered by being told what to do, and the feeling is understandable, but it’s not a good reason. Some people think they can’t afford it. That, too is wrong. At fifteen dollars a month on average, it’s cheap enough anyone can afford.
Some people think they can get out of the renters insurance requirement in their lease because there’s no law requiring renters insurance. The lease is a contract, which makes it a form of private law which can upheld through public law (the courts). You signed it, you received the apartment so you’ve received consideration, now you need to hold up your end of the bargain.
How Can I Get Cheap Renters Insurance To Make My Landlord Happy?
Just call Effective Coverage. We work to understand the insurance needs of renters, including those who want just enough coverage to make their landlord happy. Do you have to have renters insurance? If you’re asking the question, the answer is probably yes! As the renters insurance experts, we know what landlords want to see on the evidence of insurance, as well, and we generally send that information directly to them. That saves you a step or two and smooths the move in process. It only takes give minutes to get a policy, what are you waiting for?