How to Prove Renter's Insurance
by Louise Balle ; Updated September 29, 2017Some landlords require you to prove that you have a renter's insurance policy before you can sign a lease and move in. In most cases, the landlord is not responsible for damage or loss to the renter's personal property in case of an unexpected incident; the landlord only covers damage to the building. The renter's insurance policy reimburses the tenant for personal items—you can open a policy with just about any major insurance company. Provide proof to your landlord in one of a few simple ways.
Call your insurance company directly and ask for a representative to fax a copy of your declarations page, which contains an overview of your policy, or a note on the insurance company's letterhead to the landlord as proof that you have renter's insurance.
Call your landlord and initiate a three-way call with your insurance company. Ask the representative to confirm your renter's insurance coverage details over the phone so the landlord can verify this information.
For non-urgent matters, wait for your renter's insurance policy information to arrive in the mail. Make a copy of the declarations page, and bring it to your landlord in person.
Register and log in to your insurance account online (if the company offers this option) and download your policy information. Email, fax or print a copy of your policy overview to give to your landlord.
Tips
Ask your landlord directly about his preferred method of receiving your proof of renter's insurance when (or before) you sign the lease so you can save time and trouble.
