Landlord as Additional Insured vs Additional Interested Party

[Chris Troutman]

The Lease requires Tenant to carry a renter’s insurance policy covering Tenant’s household goods, personal property and personal affects in an amount not less than $10,000.00 and liability insurance coverage in an amount of at least $250,000.00 naming Landlord as an Additional Insured.

Tenant provided a certificate showing me as an Additional Interested Party, but not as an Additional Insured. My understanding is that this only means that I get copied on any notices with respect to the policy.

I asked Tenant to have their insurance company (Allstate) add me as an Additional Insured, and Tenant responded that Allstate told them that "they are unable to add [me] as an Additional Insured legally because [I] am the owner of the property and not a renter."

Maybe this makes sense with regards to the property insurance (since I have my own coverage), but not with respect to the liability insurance - right? 

What do I need to request of the insurance company to confirm that I am covered for any liability arising from tenant's use of the property?