Tenant's Renter's Insurance- Interested party same as additional insured for me?

[Tricia O'Brien]

Hello!  I have a new tenant moving into my California rental home in about 24 hours.  On his " Renter's Policy Declaration" with Lemonade Insurance, he has me listed as an "interested party".  I asked him to list me as an "additional insured party". Are these 2 terms the same thing or should I try to get it changed I want to be sure the company tells me if he stops paying the premium. Also, if he causes a fire or other covered risk, I want to be sure his insurance is the main one to pay, not mine.  Thanks!  

[Nathan Gesner]

Quote from @Tricia O'Brien:

No, they are not the same.

"Additional Interest" means you will receive a copy of their declaration page and you'll be notified if they change/cancel their policy. It's just a way of monitoring to ensure they maintain insurance.

"Additional Insured" means you are covered by their policy when there is a liability claim. Say a guest comes to the house, trips on their kid's skateboard, breaks their back, and decides to sue. They would likely sue the Tenant and the Landlord. In this case, the Tenant's policy would protect you as the primary, then your insurance as the secondary.