Landlords often require renters to have insurance for several reasons. First, renter insurance provides liability coverage for the tenant, which protects them in case they cause damage to the property or injure someone while living there. This coverage can help cover legal expenses and potential damages. Second, renter insurance also provides coverage for the tenant's personal belongings in case of theft, fire, or other covered perils. This can help the tenant replace their belongings in case of a loss. Third, requiring renter insurance can help protect the landlord's property. If a tenant causes damage to the property, their insurance can help cover the cost of repairs, reducing the financial burden on the landlord. Fourth, renter insurance can also provide additional living expenses coverage, which can help the tenant with temporary housing and other expenses if their rental unit becomes uninhabitable due to a covered event. Fifth, some landlords may require renter insurance as a condition of the lease agreement to ensure that tenants are financially responsible and have the means to cover potential damages or losses. Sixth, renter insurance can also provide medical payments coverage, which can help cover medical expenses if someone is injured on the tenant's property. It's important to note that the specific requirements for renter insurance may vary depending on the landlord and the lease agreement. It's always a good idea to review the lease agreement and discuss any questions or concerns with the landlord or property management. I hope this helps clarify why landlords require renter insurance!