Do Landlords Require Renters Insurance in Missouri?

Moving In: Inspections & Disclosures Missouri published: June 21, 2025 Flag of Missouri

If you're moving into a rental home or apartment in Missouri, you might wonder whether you need renters insurance and what your legal rights are. Understanding your responsibilities and knowing what landlords can and cannot require helps you make informed decisions and protect yourself as a tenant in Missouri.

What Is Renters Insurance and What Does It Cover?

Renters insurance is a policy tenants can purchase to cover their personal belongings in case of theft, fire, certain types of water damage, and sometimes liability claims if someone is injured in your rental. It is separate from any insurance your landlord may carry for the building itself.

  • Personal property coverage: Protects your belongings against covered losses such as burglary or specific disasters.
  • Liability protection: Provides coverage if someone is injured inside your unit and you are found responsible.
  • Additional living expenses: May help pay for temporary housing if your rental becomes uninhabitable due to a covered event.

These protections can provide peace of mind but are not always legally required for Missouri renters.

Is Renters Insurance Required by Missouri Law?

Missouri state law does not require renters to buy renters insurance to sign a lease or move into a rental property. However, landlords are allowed to set requirements within a lease agreement as long as they follow all state rules under the Missouri Landlord-Tenant Law.[1]

  • Landlords may include a clause in your lease that requires you to obtain and maintain renters insurance during your tenancy.
  • Such clauses should specify basic coverage details and what proof, if any, must be provided.
  • If insurance is required, make sure this is clearly stated in your lease documents before you sign.

Why Would a Landlord Require Renters Insurance?

Some landlords require tenants to purchase renters insurance to avoid disputes about personal property damage or liability. This requirement can help clarify which losses are covered under a tenant's policy versus the landlord’s own insurance.

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If Renters Insurance Is Required, What Happens?

If your Missouri lease requires renters insurance, you will typically need to:

  • Purchase a policy from a licensed insurance provider—either before move-in or within a specific time frame listed in your lease.
  • Provide proof of coverage (often called a "certificate of insurance") to your landlord or property manager.
  • Maintain the policy for the duration of your lease and update the landlord if you change insurance providers.
Tip: If your landlord requires insurance, ask them to list what coverage is necessary (e.g., minimum liability amount) and what documentation they need.

Tenants who do not provide required proof of insurance may be in breach of their lease, which could potentially lead to lease termination notices.

Official Forms and Documentation

Missouri does not use a state-issued "renters insurance form," but you may encounter or be asked for the following in landlord-tenant transactions:

  • Sample Lease Agreement (Form MO-PT-1): While not mandatory, this sample or model lease provided by the Missouri Attorney General can be customized to include a renters insurance requirement. Tenants can review this form to see how insurance clauses may appear in official documents.
  • Certificate of Insurance: This is provided by your insurance company and submitted to your landlord. It serves as proof you have active renters insurance. You usually email or hand-deliver this to your landlord before moving in.

Always keep a record of any forms or insurance proof for your personal files. For lease disputes, refer to the official lease agreement and the Missouri landlord-tenant statutes.[1]

Who Handles Rental Disputes in Missouri?

Missouri does not have a residential tenancy tribunal. Disputes between landlords and tenants, including those over insurance requirements, are handled in the circuit court system. For more information, visit the Missouri Courts portal.

What If You Have Issues Over Insurance Requirements?

If you feel you are being unfairly required to get insurance or have documentation questions, you can:

Small claims court may also be an option for disagreements over lease requirements and deposit issues.

FAQ: Renters Insurance in Missouri

  1. Can my landlord mandate renters insurance in Missouri?
    Yes, Missouri law allows landlords to require renters insurance in the lease, but this must be stated in your agreement.
  2. What happens if I do not purchase renters insurance when required?
    Your landlord may consider you in breach of your lease, which could result in warnings or even possible eviction proceedings.
  3. Are my belongings covered by my landlord's property insurance?
    No, your landlord's insurance policy covers the structure but not your personal possessions or liability, making renters insurance valuable.
  4. Do I need to provide proof of insurance every year?
    If required by your lease, you must usually provide updated proof of insurance at renewal or if you switch policies.

Conclusion: What Missouri Renters Should Remember

  • Missouri law does not mandate renters insurance, but landlords can require it by lease agreement.
  • Always read your lease carefully and clarify any insurance requirements before signing.
  • Renters insurance provides valuable protection for your belongings and can prevent disputes during your tenancy.

Need Help? Resources for Renters

  1. Missouri Revised Statutes, Chapter 441 – Landlord and Tenant

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Bob Jones
Bob Jones

Editor & Researcher, Tenant Rights USA

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for renters everywhere.

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