Can an assisted living facility require residents to purchase renters insurance?

This post is from February.

It almost certainly is not REQUIRED but it WILL BE highly recommended.
You will do fine with the legalese. Just slow down, or even copy sentences here that you have a hard time with. If you simply cannot tell, then a simple call to the administration of your particular facility (they are all different and make their own rules) will suffice; they will be happy to reassure you.

Renter's insurance is often quite affordable. I would consider it if you are able. On the other hand, residents often enter ALF with little to still give up. They have parted with most of their possessions.

My brother did not, in ALF, purchase any renters insurance. He was down to some precious last collectibles, but money would not have replaced them, nor would he have got their value to him in any way.

I gather, having renters insurance seems like a smart move, especially in an assisted living facility. I mean, it's not just about protecting the building, it's about safeguarding your loved one's belongings too. I've heard some horror stories about folks losing everything in fires or accidents, only to realize their landlord's insurance doesn't cover personal items. That's where renters insurance swoops in to save the day. It's like a safety net for your stuff, you know? Personally, I'd recommend checking out some of the best renters insurance companies ( https://joywallet.com/article/best-renters-insurance/ ) out there. They usually offer different coverage options to fit your needs and budget. Plus, having that extra peace of mind?

Some people don't realize when you rent, and thats what is going on here, the landlord's homeowners insurance does not cover the renters personal effects. So, if the place should burn to the ground, Mom would need her own insurance for replacement of belongings. I suggest you take pictures of her belongings and have receipts to backup the cost. I would not have any expensive nick nacks, jewelry or money in ur LOs room.

Then call them.
Get an explanation.
We are a Forum of caregivers from around the world, so I would guess we are the last ones in the world to know the answer to your question.

Many ALF ask for renter's insurance or highly suggest it. Few DEMAND it.
They cannot be responsible for the last beloved, perhaps valuable possessions a senior chooses to take into the facility with them.
They are basically letting you know that if fire or theft or some other thing occurs they personally are NOT responsible for the loss.

When we moved into an office building we were required to have a 2 million dollar umbrella policy.

A facility is a business and they get to call the shots on those types of things. Yes, they can require it and it should be written in the lease.

Our response would be you need to read the lease. Ask the Administrator. I know apts complexes require it. It does not cost that much and it covers the residence's belongings.