When it comes to renters insurance, the requirement can vary depending on the landlord and the state or city where the rental property is located. Landlords can require renters insurance as a condition of the lease agreement. This requirement is legal in most states, and it's becoming increasingly common for landlords to include this provision in lease agreements. While it's not a legal requirement at the federal level, some states and cities have specific laws or regulations regarding renters insurance. For example, in New York, landlords can require tenants to have renters insurance, but they must inform tenants of this requirement in writing in the lease agreement. Ultimately, whether renters insurance is required depends on the terms of the lease and the landlord's policies. It's important for renters to carefully review their lease agreement to understand the specific requirements related to renters insurance. Even if it's not mandatory, having renters insurance is highly recommended to protect personal belongings and provide liability coverage in case of unforeseen events.