Does Landlord Insurance policy requires tenant screening?

[J Zhang]

I'm in the process of getting a landlord insurance policy quote. The rep on the phone says their landlord policy doesn't require a landlord to screen tenants. I'm a bit surprised - if I were the underwriter I would see both the landlord and tenants as a higher risk if there's no screening. I come from a jurisdiction where you claim can be declined if you fail to show proof of tenant screening documentation especially for property damage by the tenant. In your experience, is it common that tenant screening is not required by a landlord policy offered in the US/Colorado?