Landlords Not Enforcing Renters’ Insurance Requirements

By John Triplett 

Many landlords require renter’s insurance, but others are still not requiring it or verifying it, according to a new study.

A new joint survey from property-management software company RentRedi and investors website BiggerPockets shows that while most landlords understand the difference between renters’ insurance and landlord insurance, many still don’t require it—and even fewer take steps to verify it.

That gap can leave both landlords and renters exposed to financial risk, especially as rental portfolios grow and things get more complex.

“These results, together with a companion survey conducted by RentRedi alone, highlight that many real estate investors are still exploring the best ways to implement and manage renters’ insurance within their rental process,” the study says, according to a release.

Smaller landlords are 60% more likely to require renters’ insurance than landlords with larger portfolios.

“It’s proof that with the right tools, it’s possible to stay protected without making things harder for you or your tenants,” according to the release.

When asked how they verify renters’ insurance coverage, half of respondents reported that they currently do not verify.  The rest rely on a mix of manual checks, insurance-company confirmations, or property-management software, demonstrating that many landlords are still exploring the best ways to integrate renters’ insurance into their rental process.

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Key findings about landlords and renters’ insurance

• Nearly 50% of landlords don’t verify renters’ insurance coverage
• Fewer than half require renters’ insurance in their leases
• About 4 in 10 follow up to confirm active coverage
• Smaller landlords (1–4 units) lead in requiring and enforcing coverage
• Larger operators trail by double-digit margins but can optimize with automated solutions

Methodology:

The joint survey with BiggerPockets, conducted from June 11–16, 2025, gathered responses from 812 real estate investors and property owners. Separately, RentRedi survey conducted its own survey from March 30 to April 14, 2025 that analyzed landlord behavior across portfolio sizes and received 1,623 responses..

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