Can I require tenants to have rental insurance?

[Therese V.]

Can I require tenants to have rental insurance? If they say they don't need it, should I get that in writing? Would I be required to pay (or my insurance) for their damaged property (tv, couch, jewelry, etc) in the case of something happening in the home? Does it matter if that was theft, natural disaster, tenant caused problem, maintenance issue (like water damage because pipe bursts etc)?

Do you require it? If I don't tell them to get it does that change things? If I tell them to get it but it isn't a requirement to rent to them does that mean anything?