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Overall, adding your landlord to your renters' insurance is a way to help protect them in areas their home insurance or landlord insurance policy may not as well as protect yourself as the primary policyholder.

The state of California doesn't legally require you to have renters' insurance. However, landlords can require you to carry renters insurance as part of their rental agreement. California allows landlords to require you to have renters insurance under the lease terms.

Personal Liability – Covers you for any damages for which you're held liable, and most landlords will require you to get at least $100,000 of this type of coverage. Medical Payments to Others – Covers medical payments for any injuries that have occurred on the property, and it will usually have a minimum of $1,000.

While renters insurance is not required by law in California, some landlords may require it for you to live in their building. It's generally a good idea to have at least some form of coverage as your landlord's insurance is not liable for any damage to your personal property.

Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.

Can You Be Evicted for Not Having Renters Insurance? While most landlords might have renters insurance required, eviction is typically not a direct consequence of not having it. Eviction is a legal process that occurs when a tenant violates the terms of their lease.

Renters insurance is a smart option that can protect you from financial losses related to theft, water backup damage, certain natural disasters and more. If you are renting an apartment, home or even a college dorm in California, renters insurance can help cover what your landlord's policy doesn't.