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I am moving into an apartment and the landlord said renters insurance is required and gave us a company who would give us a discount. Is it even legal to require tenants to have renters insurance when it’s not required by law?

7 Thoughts on Is renters insurance required by law in north carolina?
  1. Reply
    December 31, 2012 at 3:37 pm

    It is not required by law. However, any landlord can require the renter to purchase renter’s insurance if they desire.

    Contact your auto insurance company ▬ most also do renter’s and the discount you’d receive off of your auto insurance will be greater than the premium of the renter’s policy. Also, the landlord doesn’t care how much property coverage you have with the renter’s policy, all they care about is the liability. Therefore, if you get the least amount of coverage you’ll lower the premium.

    BTW ▬ insurance companies cannot by law give you a discount based on your landlord’s referral. They may be in cahoots with the agent so if I were you I definitely would not go there for your policy.

  2. Reply
    Uncommon Sense
    December 31, 2012 at 3:57 pm

    That’s ridiculous, but a landlord can require it if he/she wishes.

  3. Reply
    December 31, 2012 at 4:37 pm

    The state has no law that requires insurance, but the landlord is well within his right to require such.

  4. Reply
    December 31, 2012 at 4:52 pm

    Renter’s insurance is not required by law in any state. However, any landlord can require tenants to carry such insurance as a condition of being allowed tenancy More and more landlords are now taking this approach relative to renter’s insurance. The reason ? They want secondary protection when some idiot tenant starts a fire or similar in an apartment.

  5. Reply
    December 31, 2012 at 5:47 pm

    Legal or not. You should carry it. Check with your auto insurance company.

    These people above are just full of talk and wanting to sound big.

    Common sense says take out renters insurance. It’ll save you big time in the event of an accident.

    I have it on my musical instruments and jewelry.

  6. Reply
    December 31, 2012 at 5:48 pm

    It isn’t required by law, but your landlord CAN require you to have it, as a contract condition (your lease or rental agreement is a contract). The vast majority of landlords do require it, because THEIR insurance companies require it.

    So, it’s not a law, and yes, your landlord can make you have it, and if you don’t want it, find another place to rent. Good luck with that, because roughly 90% of the places that rent, will require it.

  7. Reply
    Casey Y
    December 31, 2012 at 6:05 pm

    The landlord can require it in the terms of their lease. This is totally legal.

    It is not illegal to have pets, but landlord have the option of allowing them. Same logic here.

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