Bossier City, LA asked in Contracts, Real Estate Law and Landlord - Tenant for Louisiana

Q: Can an apartment complex in Louisiana require renters insurance as a term of a lease?

I've been looking, but can't find anything official in the rental law.

1 Lawyer Answer
Bruce Alexander Minnick
Bruce Alexander Minnick
  • Landlord Tenant Lawyer
  • Tallahassee, FL

A: Teaching opportunity: The law is not designed to solve every little problem that comes your way during this lifetime; the Latin phrase for this rule is "De minimus non curat lex." Accordingly, if Louisiana laws regarding "rental law" do not contain anything about landlords requiring renter's insurance the reason is because the state does not regulate this personal issue.

Conclusion: Absent some Louisiana legal authority prohibiting Louisiana landlords from doing so, they can require all tenants to have renters insurance. So you have two options: Either get some acceptable renters insurance (it is not usually too expensive); or find another apartment that does not require renters insurance.

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