Can a Landlord Require Renters Insurance in California?

Is Renters Insurance Legally Required in California?

No, renters insurance is not required by California state law. You’re not obligated to have it unless your landlord includes it as a condition in your lease agreement. That said, if you sign a lease that requires it, you’re legally bound to carry renters insurance for the duration of your rental term.

Can a Landlord Include Renters Insurance in the Lease?

Yes. Landlords in California have the right to require renters insurance as part of a lease. Once you sign that lease, it becomes a legally enforceable contract. If the lease says you must have renters insurance, you need to provide proof of coverage—usually before moving in.

Why Would a Landlord Want You to Have Renters Insurance?

There are several reasons why landlords often include this requirement:

• To reduce liability if someone is injured in your unit
  
  
• To protect your personal belongings (since their policy won’t cover your stuff)
  
  
• To minimize the chance of disputes if damage or loss occurs
  
  
• To avoid tenants seeking compensation from the landlord for lost items
  

Requiring renters insurance creates a clear boundary between what the landlord is responsible for and what the tenant must cover.

What Does a Typical Renters Insurance Requirement Look Like?

If renters insurance is required, your lease may specify:

• The minimum coverage limit (e.g., $100,000 in liability)
  
  
• That the landlord must be listed as an “interested party” on the policy
  
  
• A deadline to provide proof of insurance (usually before your move-in date)
  
  
• That failure to maintain coverage could result in a lease violation
  

Make sure you read the lease carefully so you understand the terms and comply on time.

What Happens If You Don’t Comply With the Requirement?

If your lease requires renters insurance and you don’t follow through, you may be in breach of contract. This could lead to:

• A warning or notice to cure the issue
  
  
• The landlord purchasing coverage on your behalf and charging you
  
  
• Lease non-renewal or possible eviction
  

It's far easier—and cheaper—to get your own policy through a provider like eWay Insurance.

How Much Does Renters Insurance Cost in California?

On average, renters insurance in California costs between $15 and $25 per month. It’s a small price to pay for protection that includes:

• Your personal property
  
  
• Liability coverage
  
  
• Additional living expenses if your rental becomes unlivable
  

Many policies can be set up in minutes with flexible payment options and instant proof of insurance.

How Can eWay Insurance Help You Meet Your Lease Requirements?

At eWay Insurance, we make it simple to stay compliant with your lease. We’ll:

• Compare top insurers to find you the best price
  
  
• Make sure your coverage meets your landlord’s exact specifications
  
  
• Provide a certificate of insurance to your landlord, fast
  
  
• Answer your questions about what’s covered and help you avoid gaps
  

Whether you're moving in soon or already in a lease, we’ll help you get covered with zero hassle.

Frequently Asked Questions

Can my landlord evict me for not having renters insurance?
If it’s required in your lease and you don’t comply, they can take action—including eviction in some cases. It’s important to meet lease conditions to avoid legal issues.

Is the landlord’s insurance enough to protect my stuff?
No. The landlord’s policy only covers the structure of the building. Your renters insurance is the only way to protect your furniture, electronics, and personal items.

What if I didn’t realize renters insurance was required until after I moved in?
Check your lease. If it’s stated clearly, your landlord can still request proof of insurance at any time. eWay can help you get a policy quickly to avoid violations.

Can I cancel renters insurance after providing proof to my landlord?
You could, but your landlord may be notified of the cancellation—and that could put you in breach of your lease.

What if I can’t afford renters insurance right now?
Renters insurance is usually very affordable. eWay can help you find basic coverage that fits your budget, often for under $20 per month.

Final Thoughts

Landlords in California can require renters insurance—and if it’s written into your lease, you’re obligated to carry it. It’s not just about meeting requirements—it’s about protecting yourself, your belongings, and your liability.

eWay Insurance is here to help you get covered fast, stay compliant, and avoid unnecessary risk. Reach out today to get a quote tailored to your lease.