In Minnesota can a landlord require that you pay renter's insurance?

Question

In Minnesota can a landlord require that you pay renter's insurance?

Answer 1

That is basically up to each landlord.  In most cases renters insurances isn't that expensive plus it protects personal contents and protects you for personal liability.

If you go to a site like: http://www.InsuranceEasy.org you can request renters quotes from several local agents by filling out a simple on line quote request through the links that they provide on their site.

Answer 2

More and more landlords are requiring renters insurance in all states.

It's protection for you and renters insurance isn't that expensive. If you check with the same company that insures your car they offer discounts for insuring both

Answer 3

If it is in the lease that you sign.

Answer 4

I believe so.  But it needs to be in the lease documents that you signed, and not just a rule they impose after the fact.

Its a good idea to have renter's insurance unless you don't need or want anything in your apartment or house.  That's pretty rare, but if you are a young student or person just starting out in life and have older furniture and few clothes and a cheap tv or whatever, you might decide the premiums aren't worth it, but renter's insurance is usually a pretty good deal.  so I would say check it out if you haven't looked into it yet

Answer 5

Yes, they can, in Minnesota, and in every other state.  We are just about to embark on such a program for our rentals next door in Wisconsin.  Having renter's insurance will simply be one of the requirements to obtain tenancy in our units.  A certificate of valid insurance will be required before keys are given for occupancy.  If the insurance lapses, the tenant will be in violation of the lease, and subject to termination.

Answer 6

Yes of course they can,   They can  make it a condition of their lease.  I require all my tenants to carry insurance.