Insurance

[Michael Ash]

I have a background in commercial real estate. When I do a commercial real estate lease I require the tenant to carry a liability insurance policy of $1-$5 million and to name me as an additional insured. I've looked at two or three leases for residential and all I see is that there is a recommendation that the tenant carry renters liability insurance but no requirement and also no requirement to name me as an additional insured. Shouldn't we be forcing our residential tenants to carry insurance and name Landlord as an additional insured?