Proof of insurance for your lease

What landlords usually ask for and how to list them on your policy.

Many property managers require tenants to carry renters liability and show proof at move-in and renewal. Requirements commonly specify a minimum liability amount and ask to be listed as an interested party.

An interested party receives notices if the policy cancels or lapses. It does not give the landlord coverage under your policy.

Ask your leasing office for the exact name and mailing address they want listed, and include it in your quote request so documents can be issued correctly the first time.

If your complex offers its own program, compare the limits and price; a personal policy usually travels with you and covers your belongings, not just liability to the landlord.

Coverage at a glance

Renters coverage parts
CoverageWhat it pays forTypical choice
Personal propertyFurniture, clothing, electronics, and other belongings after a covered loss, at home or awaySet to the replacement value of what you own
Personal liabilityInjury or property damage you cause to others, plus legal defense$100,000 minimum; $300,000+ common
Loss of useExtra hotel, meal, and living costs while your rental is unlivableOften a percentage of the property limit
Medical payments to othersA guest's minor medical bills, regardless of faultTypically a few thousand dollars

Commonly covered causes of loss

  • Fire and smoke
  • Lightning
  • Windstorm and hail
  • Explosion
  • Theft
  • Vandalism
  • Sudden water discharge from plumbing or appliances
  • Freezing of plumbing
  • Weight of ice and snow
  • Falling objects
  • Damage by vehicles
  • Riot or civil commotion

Commonly not covered

  • Flood and rising surface water
  • Earthquake and earth movement
  • Bedbugs, rodents, and insects
  • Wear, tear, and gradual leaks
  • The building itself (your landlord's policy)
  • Your car (an auto policy)

More guides

Tenant insurance by state