Tenant Ignoring Renters Insurance Requirement – What’s My Next Step?

[Erick Armando Gonzalez]

Hey everyone,

I’m currently managing a rental property, and my tenants have been there for a few months now. Looking back at my records, I realized I never received their proof of renters insurance, which was a requirement in the lease.

For the past month, I’ve been reaching out via calls, texts, and emails, but I either get no response or they keep pushing it off with no clear timeline of when they’ll provide it. At this point, I feel like they’re just avoiding it altogether.

For those of you who have dealt with this before—how did you handle it? Did you issue a formal notice, enforce any lease penalties, or take a different approach? I’d love to hear how other landlords have navigated this situation and what worked for you.

Looking forward to your insights! Thanks in advance.

[Bill B.]

Your choice:

1) Because of your failure to prove you have obtained renters insurance upon moving in this is your 5-7-9 (how ever many days required in your market) notice to cure the problem or leave the premises at the end of the month. 
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2) Because you have failed to provide prof of renters insurance upon move in a policy will be provided for you starting March 1st through insurance company X at a cost of $xxx.xx. A copy of the policy will be provided to you. This cost will be due March 1st and deducted from any payments before any rent is applied. This may result in late fees and eventual eviction if not cured within the legally provided time.