Do Idaho Landlords Require Renters Insurance?

Moving into a new apartment in Idaho can be exciting, but also comes with important decisions—like whether you need renters insurance. If you’re wondering about Idaho’s rules for renters insurance requirements, this guide explains what the law says, what landlords can (and can’t) require, and where to find official help.

Are Landlords in Idaho Allowed to Require Renters Insurance?

According to Idaho law, landlords are not required to provide renters insurance for tenants. However, landlords may require renters insurance as a condition of your lease or rental agreement, as long as they include this requirement in writing. This means:

• If your lease states you must have renters insurance, you need to obtain it.
• If your lease does not mention insurance, your landlord cannot insist on it after you move in without your agreement.

There is no Idaho state law mandating renters must purchase insurance—unless it is part of your lease agreement.^[1]

What Does Renters Insurance Cover?

Renters insurance protects your personal belongings from losses such as fire, theft, or certain types of water damage. It also can provide liability coverage if someone is injured in your rental unit.

• Personal property: Covers loss or damage of your items.
• Liability: Covers certain accidental injuries to guests or damages you may cause at the property.
• Additional living expenses: Covers extra costs if your rental becomes unlivable due to covered events.

Renters insurance does not cover damage to the building itself; your landlord's policy handles that.

How Will I Know If My Landlord Requires Renters Insurance?

Requirements for insurance are usually listed in your lease. Your landlord may ask you to:

• Show proof of insurance before moving in
• Name the landlord as an “additional interest” or “interested party” on the policy (so they get notified if your coverage lapses)

Be sure to read your lease carefully before signing and ask your landlord to clarify any unclear sections about insurance.

Is There an Official Idaho Renters Insurance Form?

Currently, the state of Idaho does not issue a standard form for proof of renters insurance. Most insurance companies will provide a certificate of coverage you can give your landlord. Here’s what to do:

• Ask your insurance agent or company for a "Proof of Renters Insurance" or "Certificate of Liability."
• Provide this document to your landlord before the deadline stated in your lease.

For leases or other rental forms, use the template provided by your landlord or refer to the Idaho Attorney General’s Landlord and Tenant Manual.

Where to Turn for Disputes or Help

If you encounter a disagreement about insurance or other move-in disclosures, most issues are addressed based on your lease and Idaho’s Landlord and Tenant Act (Idaho Code § 6-301 to § 6-324).^[2]

Who Handles Tenant Complaints?

Idaho does not have a formal statewide housing tribunal, but the Idaho courts handle residential tenancy disputes. For most issues related to security deposits, lease agreements, or disputes, you may file a claim in Idaho Small Claims Court. For information, contact your county court clerk or reference the Attorney General’s Landlord and Tenant Manual.

What Should You Do If You’re Asked to Provide Proof?

Follow these practical steps to meet insurance requirements:

• Review your lease for insurance terms.
• Shop for renters insurance from a licensed Idaho insurer.
• Request a certificate of coverage from your provider.
• Submit proof to your landlord by the deadline (via email or in person).
• Keep a copy of the certificate for your records.

FAQ: Idaho Renters Insurance Questions

1. Can a landlord evict me for not getting renters insurance?
   If your signed lease requires renters insurance and you refuse or let your policy lapse, it could be grounds for eviction. If the lease does not mention insurance, your landlord cannot force you to buy it mid-lease unless you agree to the change.
2. Does renters insurance cover roommates?
   Most policies only cover the named person(s). Ask your insurer about adding roommates or make sure each has their own policy.
3. Can a landlord force me to use a specific insurance company?
   No. Landlords may require insurance, but Idaho Department of Insurance states you can choose your provider. They cannot require you to use a specific insurer.
4. What happens if I cancel my policy during the lease?
   If your lease requires insurance, canceling your policy may violate your agreement and could result in lease termination or other penalties. Always notify your landlord if your coverage status changes.
5. Will the landlord’s insurance protect my belongings?
   No. The landlord’s insurance covers only the building and their own property, not your items inside the rental unit.

Need Help? Resources for Renters

• Idaho Attorney General’s Landlord and Tenant Manual — Easy-to-read guide on landlord and tenant laws
• Idaho Department of Insurance: Renters Insurance FAQ — Details on renters insurance and consumer protections
• Idaho State Judiciary/Small Claims Court — For filing disputes or claims against landlords
• Your local county court clerk — For information on filing tenant-landlord disputes

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1. See: Idaho Attorney General’s Landlord and Tenant Manual
2. Idaho Landlord and Tenant Act (Idaho Code Sections 6-301 to 6-324)

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