Can My Landlord Require Renters Insurance In Phoenix, AZ?

There are many variations on this question on the internet, as well as a ton of other “Can my landlord use the lease to require me to…” type questions.  The answer is almost always the same, given that the ask is reasonable.  What’s that answer?  Keep reading to find out.

Can My Phoenix Landlord Use The Lease To Require Me To…

You betcha.  If the thing being asked is legal, and you voluntarily contract for it, and it’s not contrary to public policy, your lease is an enforceable contract.  While a landlord prohibiting watching TV is unreasonable and not likely to be upheld, your landlord can put pretty much anything they want in a lease contract.  Often, these clauses are just cut and pasted from some website, which isn’t the greatest idea, but they can do it.

Can A Landlord Require Renters Insurance In Phoenix, AZ?

You bet!  Why wouldn’t they?  First of all, Phoenix Renters Insurance will pay for the loss if you burn the building down.  That’s a good incentive for them to require renters insurance right there.  But it also pays for your stuff if there’s a loss.  Tenants commonly misunderstand who’s responsible for their personal property if there’s a fire or a theft.  It’s always the tenant, never the landlord.

The landlord is not responsible for your personal property.  That’s because it’s not his personal property.  Your stuff, your responsibility.  Period.  When the average cost of renters insurance in Phoenix is around $180 a year, or about fifteen dollars a month, there’s no reason not to have coverage for your stuff.  That policy will generally cover the cost to replace your property, not just the actual cash value.  That means that if something is stolen, you get what you need to go buy a new one.

Can A Landlord Require That They Be The Additional Interest On Phoenix Renters Insurance?

Absolutely.  As a matter of fact, it’s a best practice.  While you wouldn’t, there are tenants out there who would buy a policy, show proof of it, and cancel the policy the next day.  By being additional interest on the policy, the landlord would immediately be notified of this flagrant lease violation so that they can take corrective action and make sure that their interests are protected.  It’s also a great early warning sign of a bad tenant – the sort of person who would buy a policy, show proof, and then cancel it and think they pulled one over on the landlord probably needs to be watched closely to see what other shenanigans they’ll try to pull.

Your landlord can require renters insurance in Phoenix, and they should.  Moreover, you should want to have the coverage.  Not only does it protect you, but it also makes sure that you’re not responsible to the landlord if you damage the building through your negligence – that’s why they want liability coverage.  With the availability of cheap renters insurance, there’s little reason for anyone to be without the coverage.  To get started, just call (800)892-4308 or click to get covered - whether you need affordable Arizona renters insurance quotes online or coverage anywhere else!

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Photo Credit: Alan Stark Downtown Phoenix At Night CC BY SA 2.0