Is there an ordinance or law requiring renter’s insurance in Chicago or in Illinois?

Quick hit: mandatory renter’s insurance requirements?

No.  At this time, there is no ordinance in the City of Chicago that requires that a tenant obtain renter’s insurance.  In fact, there is no statute in the State of Illinois that requires a tenant to provide such a policy.  Landlords can, as a contractual provision and a requirement of leasing, require tenants to obtain renter’s insurance.  Further, there are condominium associations that require that landlords within the association force their tenants to obtain an HO4 or other renter’s insurance policy.

Please note: Quick hits are short, simple answers to questions landlords might be asking – as with everything in landlord tenant law – things are not always short and simple – always consult an attorney before acting!

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