Insurance for Tenants to get to protect your property

[Patrick Sears]

Hello,

Thinking about ways to mitigate the risk of tenant-caused damage to my rental properties.  Any ever heard of insurance that the TENANT can buy that covers the landlord in case the tenant goes crazy and destroys the place?  I don't feel I should have to pay out of pocket to fix damages above and beyond normal wear and tear, and I don't feel my insurance should have to cover it, either.

Any thoughts?