In Ohio, landlords have the legal right to require renter's insurance as a condition of the lease agreement. Renter's insurance is a policy that provides coverage for a tenant's personal property and liability protection. It is designed to protect the tenant's belongings in the event of theft, fire, or other covered perils, as well as provide liability coverage in case someone is injured while on the rental property. Landlords may require renter's insurance to mitigate their own risk and ensure that tenants have coverage for potential damages or liabilities. However, it's important to note that while landlords can require renter's insurance, they cannot require a specific insurance company or policy, and they must clearly outline this requirement in the lease agreement. Additionally, tenants should carefully review the terms of the renter's insurance policy to ensure it meets the landlord's requirements and provides adequate coverage for their personal belongings and potential liabilities. Ohio Revised Code Section 5321.04 addresses the landlord's right to require renter's insurance, stating that a landlord may include a provision in the lease requiring the tenant to obtain renter's insurance. This provision must be in writing and must be included in the lease agreement. Therefore, tenants in Ohio should be aware that landlords can legally require renter's insurance, and it's advisable for both landlords and tenants to understand their rights and obligations regarding this matter.