In most cases, renter's insurance is not a legal requirement at the federal or state level. However, landlords or property management companies may require tenants to have renter's insurance as part of the lease agreement. Renter's insurance provides coverage for personal property, liability, and additional living expenses in the event of a covered loss. While it may not be legally mandated, it is highly recommended for tenants to protect themselves and their belongings. Landlords may require tenants to have renter's insurance as a condition of the lease to mitigate their own risk and ensure that tenants have coverage in case of damage or liability issues. It's important for tenants to review their lease agreement to understand any specific requirements related to renter's insurance. Ultimately, while not a legal requirement in most jurisdictions, renter's insurance is a valuable investment for tenants to consider for their financial protection and peace of mind.