Illinois does not impose a general statewide requirement that every renter purchase renters insurance.
However, a landlord may require renters insurance as part of a lease agreement, subject to applicable law.
If the lease requires it, the tenant should maintain coverage according to the lease terms.
Landlords commonly request proof of:
- Personal liability insurance
- Renters insurance
- Required liability limits
Important
Requiring renters insurance does not make the renter responsible for insuring the landlord's building.
The landlord and tenant insure different interests.