I don't live in CA so I'm not sure what's exactly required there. In most cases though, you are required to keep insurance if you have a mortgage. If you rent,

I don't live in CA so I'm not sure what's exactly required there. In most cases though, you are required to keep insurance if you have a mortgage. If you rent, your landlord is responsible for insurance for the structure, but you can/should get insurance for your belongings and in the event that your actions cause damage to the house or to people.