Second/upper floor laundry room anxiety question

[Rae Mac]

Hi folks,

I have a upstairs/downstairs duplex, with laundry room on the second floor for the upstairs apt. The flooring is vinyl plank that is water resistant, not waterproof, with no floor drain or anything, and I lie awake at night wondering what would happen if a hose burst one day. There is a water shut-off valve right on the wall next to the washer, but I know I can't trust tenants to shut it off after each wash, because I can't even remember to do that haha.

Questions:

1. If a hose did burst on a tenant, could homeowners insurance cover this?

2. If a hose did burst on a tenant, could I somehow make it part of the lease that the hoses and turning the valve off are their responsibility and if it bursts and causes damage to various floors of the house, it's their financial responsibility (and would they even pay?)?

3. I found water leak alarms on amazon that you can place under the washer for instances like this, has anyone had experience with these and their practicality?

I know this is quite lengthy, but any input from experience or common sense is appreciated. Thank you!