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Can You Get Evicted For Not Having Renters Insurance

Can You Get Evicted For Not Having Renters Insurance

As a renter, it’s important to understand the responsibilities and obligations that come with leasing a property. One such obligation that often arises is the requirement to have renters insurance. While it may seem like an additional expense, renters insurance provides valuable protection for both tenants and landlords. In this article, we will explore whether not having renters insurance can lead to eviction, the benefits of having renters insurance, and address some frequently asked questions on the topic.

The Importance of Renters Insurance

Renters insurance is a type of insurance policy that provides coverage for a tenant’s personal belongings and liability protection in case of accidents or damages that occur within the rented property. While it is not legally mandated in most states, many landlords require tenants to have renters insurance as part of their lease agreement.

Here are some key reasons why renters insurance is important:

  • Protection for personal belongings: Renters insurance covers the cost of replacing or repairing personal belongings in case of theft, fire, or other covered perils. Without renters insurance, tenants would have to bear the financial burden of replacing their belongings in the event of a loss.
  • Liability coverage: Renters insurance also provides liability coverage, which protects tenants if someone is injured within their rented property. This coverage can help cover medical expenses or legal fees if the tenant is found responsible for the injury.
  • Temporary living expenses: In the event that a rented property becomes uninhabitable due to a covered loss, renters insurance can cover the cost of temporary living arrangements, such as hotel stays or rental expenses, until the property is repaired.

Can You Get Evicted for Not Having Renters Insurance?

While the specific laws and regulations regarding renters insurance vary by state and locality, landlords generally have the right to require tenants to have renters insurance as a condition of the lease agreement. Failure to comply with this requirement can result in various consequences, including eviction.

Here are some scenarios where not having renters insurance can lead to eviction:

  • Lease agreement requirement: If the lease agreement clearly states that tenants must maintain renters insurance throughout the duration of their tenancy, failure to comply with this requirement can be grounds for eviction. Landlords have the right to enforce the terms of the lease agreement, and not having renters insurance would be a violation of those terms.
  • Increased risk for the landlord: Landlords often require renters insurance to protect themselves from potential liability claims. Without renters insurance, tenants may be unable to cover the costs of damages or injuries that occur within the rented property. This increased risk for the landlord may lead them to pursue eviction as a means of mitigating their own liability.
  • Non-compliance with local laws: In some states or localities, there may be specific laws or regulations that require tenants to have renters insurance. Failure to comply with these laws can result in eviction or other penalties.

It’s important for tenants to carefully review their lease agreement and understand the requirements set forth by their landlord regarding renters insurance. By complying with these requirements, tenants can avoid potential eviction and ensure they have the necessary protection in place.

Frequently Asked Questions

1. Is renters insurance expensive?

The cost of renters insurance can vary depending on factors such as the location of the rented property, the coverage limits, and the deductible chosen. However, renters insurance is generally affordable, with average monthly premiums ranging from $15 to $30.

2. What does renters insurance typically cover?

Renters insurance typically covers personal belongings, liability protection, and additional living expenses. It can also provide coverage for specific perils such as fire, theft, vandalism, and water damage. However, it’s important to review the policy details and exclusions to understand the specific coverage provided.

3. Can my landlord require a specific amount of coverage?

While landlords can require tenants to have renters insurance, they generally cannot dictate the specific amount of coverage. However, they may require tenants to provide proof of insurance and specify a minimum liability coverage limit.

4. Can I be evicted if I can’t afford renters insurance?

If renters insurance is a requirement in your lease agreement, not being able to afford it may put you at risk of eviction. It’s important to discuss any financial difficulties with your landlord to explore potential solutions or alternatives.

5. Does renters insurance cover roommates?

Renters insurance typically covers the policyholder and their immediate family members. If you have roommates, they would need to have their own renters insurance policy to ensure their personal belongings and liability are protected.

6. Can I get renters insurance if I have a pet?

Yes, renters insurance generally covers liability for pet-related incidents. However, some insurance companies may have breed restrictions or require additional coverage for certain types of pets. It’s important to disclose any pets to your insurance provider to ensure you have appropriate coverage.


Renters insurance is an important aspect of renting a property, providing protection for personal belongings and liability coverage. While it may not be legally mandated in most states, landlords often require tenants to have renters insurance as part of their lease agreement. Failure to comply with this requirement can result in eviction. It’s crucial for tenants to understand their lease agreement and the specific requirements set forth by their landlord. By having renters insurance, tenants can protect themselves financially and avoid potential eviction in case of unforeseen events or accidents.