In the United States, there is no federal law that mandates renters insurance. However, landlords have the right to require tenants to purchase renters insurance as part of the lease agreement. Landlords can legally enforce a requirement for renters insurance to protect their property and limit their liability in case of damage or loss. It's essential for tenants to carefully review their lease agreement to understand any specific requirements related to renters insurance. Additionally, even if it's not mandatory, renters insurance is highly recommended to protect personal belongings and provide liability coverage in case of accidents or damage caused by the tenant. While not a legal requirement at the federal level, renters insurance may be mandatory based on the terms of the lease agreement. Therefore, it's important for renters to be aware of their landlord's insurance requirements and consider obtaining renters insurance for their own protection.