alt Hacker NewsSame here. This has only been a thing recently when landlords figured out they could make money selling the insurance. When I was a renter, insurance was never required from me.
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astura • yesterday at 12:35 PM
Plenty of places have required renters insurance going back the last two decades I've been an adult. My parents were landlords in the hood when I was a kid and they required it (as a lease provision, never enforced).
However, it is landlord and location dependant - it's pretty much the norm in NYC, for example (see https://www.reddit.com/r/AskNYC/comments/11bl350/does_your_a...).
It was required in all my boilerplate leases going back to the late 90s. Just rarely if ever enforced or even asked about.
You’d just end up with some giant uncollectable judgement against you if you ended up burning down the apartment complex via negligence. Landlords insurance company would potentially come after you, but probably not since it would not be worth their time for most tenants.