Wisconsin Renters Insurance Rules for New Tenants

Starting a new rental in Wisconsin can be exciting—but it also means understanding your rights and any requirements your landlord may impose. One common question for new tenants is whether you must carry renters insurance, and what the law says about it. This guide will help you navigate renters insurance requirements, relevant forms, and your protections under Wisconsin law.

Are Landlords Allowed to Require Renters Insurance in Wisconsin?

In Wisconsin, state law does not require tenants to have renters insurance. However, landlords may legally include a clause in your lease requiring you to obtain renters insurance as a condition for moving in or renewing your tenancy.

• If this requirement exists, it must be stated clearly in your lease agreement.
• Landlords cannot require you to buy insurance from a specific company—they can only ask for proof that you have coverage.

Wisconsin law also makes clear that landlords cannot include any provision in the rental agreement that requires a tenant to insure the landlord’s property or the landlord’s own liability, except as allowed by law.^[1]

What Does Renters Insurance Cover?

Renters insurance is a policy you buy to protect your personal belongings (like furniture, electronics, and clothes) from risks such as theft, fire, or water damage. It may also include liability coverage if someone is injured in your rental unit. However, such insurance does not cover damage to the building itself—that is the landlord’s responsibility.

Disclosure Requirements for Wisconsin Landlords

Landlords in Wisconsin must present any insurance requirements before a lease is signed. The Wisconsin Statutes, Chapter 704: Landlord and Tenant set the framework for tenancy agreements and disclosures.

• Any prerequisite, like renters insurance, needs to be made clear in the lease.
• If a landlord changes their policy and wants to add a renters insurance requirement mid-lease, they must get your agreement and create a written amendment.

Relevant Documents and Official Forms for Tenants

When you move in, you may encounter the following forms:

• Residential Rental Agreement (Form 19)
• When Used: Signed before occupancy, it details your responsibilities—including any insurance requirement.
• How to Use: Review all sections for an insurance clause. If in doubt, ask your landlord to highlight any insurance requirements. Link to Wisconsin government services
• Check-In/Check-Out Inventory and Condition Report (ATCP 134.06)
• When Used: Completed at move-in and move-out to document the unit's condition and protect your security deposit. It does not address renters insurance, but it is important for safeguarding your interests.
• How to Use: Always keep a copy, and add a note if you obtain renters insurance along with the policy number for your records. See the official condition report rule

Who Oversees Rental Issues in Wisconsin?

If you disagree with your landlord about renters insurance or another lease term, you can seek help or file a complaint. In Wisconsin, residential tenancy matters are handled by your local county housing court or small claims court. The Department of Agriculture, Trade and Consumer Protection (DATCP) also offers guidance on rental issues.

What Actions Should You Take as a New Tenant?

Before moving in, confirm if your lease has a renters insurance requirement. If so:

• Shop around for renters insurance that meets the minimum required coverage.
• Keep a copy of your insurance policy and proof of coverage for your records.
• If your landlord requests a copy of your insurance, provide the declaration page or coverage letter—but never your full private policy unless you choose to.

FAQ: Wisconsin Renters Insurance for New Tenants

1. Can my landlord refuse to rent to me if I don’t have renters insurance?
   Yes, if the lease states insurance is required, the landlord can require proof of insurance before move-in. This must be included up front in your lease and not added later without agreement.
2. Can my lease require me to buy insurance from a particular company?
   No, landlords can require you have insurance but cannot force you to buy it from a specific insurer. You may select any licensed insurance provider.
3. What if I can’t afford renters insurance?
   Talk with your landlord. In Wisconsin, unless it’s in your lease, insurance is not mandatory. If it is required and affordability is a concern, shop for the most basic coverage or discuss options before signing.
4. If I have a dispute about insurance requirements, what should I do?
   First, communicate in writing with your landlord. For unresolved issues, contact DATCP or your county housing court for support or mediation.
5. Does renters insurance cover damage to my building?
   No, renters insurance generally only covers your belongings and personal liability—not structural damage to the building itself.

Need Help? Resources for Renters

• Wisconsin DATCP: Landlord/Tenant Guide – Answers to common rental questions and links to complaint forms.
• Wisconsin Courts: Landlord/Tenant Self-Help – Guidance on filing complaints and navigating rental disputes.
• Wisconsin Office of the Commissioner of Insurance: Consumer Guide to Renters Insurance – Understand your coverage options and rights.

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1. Wisconsin Statutes Chapter 704.07: Landlord and Tenant
2. Wisconsin Administrative Code ATCP 134: Residential Rental Practices
3. Department of Agriculture, Trade and Consumer Protection (DATCP)

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