Free California Renters Insurance – Addendum to Lease Agreement Download

This is an addendum that addresses a tenant’s responsibility to carry renter’s insurance. It will be incorporated into the existing lease and will be enforceable per California Civil Code § § 1925 to 1954.1; 1961 to 1995.340.

Steps to Fill the California Renters Insurance – Addendum to Lease Agreement

  1. Enter the date.
  2. Enter the owner, landlord, or agent’s name.
  3. Enter the names of all tenants.
  4. Enter the address of the leased premises.
  5. Indicate whether the tenant is required to carry renter’s insurance and the details, including coverage limits, if applicable.

All residents and the owner, landlord, or agent must sign and date this addendum. This addendum will become part of the already-existing lease and is in compliance with

California Law

Preview California Renters Insurance – Addendum to Lease Agreement


Page      of Agreement

This document is an Addendum and is part of the Rental/Lease Agreement, dated                 between

                                                        (Owner/Agent) and

                                                        (Resident) for the

(List all Residents as listed on the Rental/Lease Agreement)

premises located at                                         , Unit # (if applicable)     

(Street Address)

                                    , CA                .

(City) (Zip)


  • Resident is required to maintain renter’s liability insurance for the benefit of the Owner/Agent and the Resident throughout the duration of the tenancy as specified below. Resident must provide proof of such insurance to the Owner/Agent on demand. Failure to comply with this requirement is a material violation of the Rental/Lease Agreement.

    1. Coverage of at least $ in personal liability (bodily injury and property damage) for each occurrence;

    2. The premises listed above must be listed as the location of resident insured;

    3. Owner is listed as a Certificate Holder

    4. The carrier must provide 30-days’ notice of cancellation, non-renewal, or material change in coverage, to the Owner/Agent

    5. Resident must obtain insurance: within 30 days of the inception of the tenancy.

      • prior to occupancy.

      • by   . (date)

  • Resident is encouraged but not required to obtain renters liability insurance.

Insurance Facts for Residents

  1. Generally, except under special circumstances, the OWNER IS NOT legally responsible for loss to the resident’s personal property, possessions or personal liability, and OWNER’S INSURANCE WILL NOT COVER such losses or damages.

  2. If damages or injury to owner’s property is caused by resident, resident’s guest(s) or child (children), the owner’s insurance company may have the right to attempt to recover from the resident(s) payments made under owner’s policy.

  3. Following is a non-inclusive list of examples of possible costly misfortunes that, except for special circumstances, you could be held legally responsible for:

    1. Your babysitter injures herself in your unit. A friend, or your handyman, is injured while helping you slide out your refrigerator so you can clean behind it. While fixing your television set, a handyman hired by you is injured when he slips on the floor you have just waxed.

    2. Your defective electrical extension cord starts a fire which causes damage to the building and your personal property and or the personal property of others.

    3. Your locked car is broken into and your personal property, and that of a friend, is stolen.

    4. A burglar breaks your front door lock and steals your valuables or personal property.

  4. The owner strongly recommends you consult with your insurance agent and obtain appropriate coverage for fire, theft, liability, workers’ compensation and other perils to protect yourself and your property against loss, damage, or liability,