Should I have my tenants get renters insurance?

[Zach Fulton]

Please read my post before you just say yes. 

I just bought my first single-family house. This will be a house hack and I will rent out the three other rooms in the house. Each renter is a good friend of mine. I asked my agent what he thought and this was his response. "The insurance is tricky. You may want to call a couple local agents and talk through a couple options. Them getting renters insurance may change the type of insurance you have to carry. Might do you more harm than good." So if they live in the same house with me should I require them to get renters insurance?

Another question I have is what kind of things should I put on the lease agreement. If anyone could provide one they have done specifically for a house hack that would be wonderful. I've already written one up but I'm sure I've missed something. 

Just wanted to hear some thoughts of someone who has done this before and knows more than I do. Thank you All!