Public88 Insurance

Renters Insurance | Must Tenants Show Proof Of Renters Insurance?

Q: My property manager is requesting we show proof of renters insurance. This is our second year in a lease with this apartment complex, but this is the first time we have been asked for proof of insurance.

I believe they are asking because we have made several complaints about the condition of our apartment due to a roof that leaked for a year before being fixed, and filthy carpet and mold in the apartment. Our complaints about the condition of the apartment led to a visit by the health department. If we do not show this proof of renters insurance, what could happen to our lease?

A: The landlord’s recent request for you to provide proof of insurance may or may not be related to your complaints and concerns about conditions in your unit.

While it very well could be that the property manager or the property owner were advised by the building insurance company to require proof of renters insurance because of your complaints about water intrusion from the leaking roof, it could also just be that the property manager or owner recently implemented a new company policy.

In my experience, many property managers and many sophisticated landlords require their tenants to show proof of renters insurance. I believe that it is prudent for you as a tenant to have a basic policy that will cover your possessions and have reasonable liability coverage as well.

You mention that you are on a lease and want to know the consequences if you don’t comply with the request from the property manager.

First, you need to make sure that the

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Tags: renters insurance