In the United States, landlords can legally require tenants to purchase renters insurance as part of the lease agreement. While it's not a federal requirement, many landlords and property management companies include a clause in the lease that mandates tenants to obtain renters insurance. This is primarily to protect the landlord's property and to ensure that tenants have coverage for their personal belongings in case of damage or loss. Renters insurance typically covers personal property, liability, and additional living expenses in the event of a covered loss. It's important for tenants to carefully review the terms of the renters insurance policy to understand the coverage and any specific requirements set by the landlord. Failure to comply with the landlord's requirement to purchase renters insurance may result in lease violations or even eviction. Therefore, it's crucial for tenants to understand their rights and responsibilities regarding renters insurance when entering into a lease agreement. It's advisable for tenants to communicate with their landlord or property management company to clarify any questions or concerns about the renters insurance requirement.