Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Yes an apartment complex can require you to obtain renters insurance as a condition of renting their apartment. What apartments are concerned about is liability protection. Should the tenant be liable for bodily injury or property damage the apartment complex does not want to be the first in line to be sued for something the tenant caused. Instead the tenants renters insurance policy will defend against the loss first. The apartment complex will not care if you chose to carry coverage for your own personal property.
Also on a side note if the tenant did not carry renters insurance and was sued for a loss, just because the apartment complex may have to defend does not give a free pass to the tenant. Your still going to court and it can cost you thousands. Renters insurance is very inexpensive and covers you for so much. Buy it.
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Also on a side note if the tenant did not carry renters insurance and was sued for a loss, just because the apartment complex may have to defend does not give a free pass to the tenant. Your still going to court and it can cost you thousands. Renters insurance is very inexpensive and covers you for so much. Buy it.