Tenant refusing to get renters insurance

[Sterling Stroud]

Hello, 

So a potential renter of mine is insistent that they do not need renters insurance even though I have told them how cheap it is and that it is highly recommended. Renters insurance is not required by law in Virginia which is where I am located. I understand that they would like to save money, but I am wanting to protect myself as well as their belongings and person. Any advice on what I should or could do?