insurance "unacceptable risks" & lease agmts

[Jason A.]

Hi BP Members, 

In correspondence with an insurance agent on a policy, agent took the liberty of sending over a list of "unacceptable risks" (listed below). The agent suggested I include it in all my tenancy agmts to ensure tenants "sign off". 

I have properties in different states with different ppty mgmt and lease agmts obviously vary, so not sure to what extent these points are already spelled out (if any). 

Question 1: do you add an addendum of requirements / conditions to your leases and if so, do you include any information specifically from your insurance agent (plus other basic points, e.g. no drug use?)

Question 2: any general ideas people use to protect themselves?

Thanks for your thoughts! 

• A swimming pool with depth greater than 2.5 feet
• Any business being run out of the home where clients, customers or other parties come to the home (i.e. massage business, daycare, beauty salon, et cetera.)
• Student housing
• Trampoline
• Any wood burning stoves in home or garage unless professionally installed, meeting underwriting criteria of insurance coverage
• No exotic animals
• Unacceptable Dogs:
  • oPit Bulls
  • oAmerican Staffordshire Terrier
  • oAkita
  • oChow
  • oDoberman Pinscher
  • oPresa Canario
  • oRottweiler
  • oAny Wolf Hybrid
  • oAny Mix of Above Breeds
  • oAny Dog with a Bite History