How much pet insurance coverage I should ask my tenant to carry?

[Nina Zou]

Tenant has 2 Seames cats. 

I just replace the whole house with laminate floors. I' afraid the cat pee will ruin the floors. 

Anyone knows if Seames cats are clean? Are they easy to train ?Do they pee out of the litter? 

Also how much pet damage insurance I should ask them to carry or do I just need to make sure their renter's insurance covers pet damages?