Requiring Renters to Secure Renters Insurance

[Phoebe Hodges-Carter]

I am a new property manager.  I want to require my renter to purchase renters insurance and add it as a condition of the lease with any damages to the property to be made payable to the home owner if the tenant is responsible for causing the damage with say a fire or unreported leak, etc.  How do I write that into a lease and where on the policy is the homeowner listed on the policy?