@Julie Marquez This topic was on my mind as the older I get I am trying to minimize extra costs and avoid things I can up front when screening and doing paperwork. In the past, I had a tenant caused fire due to her breaking my rental agreement and caused $25,000 or so of damage. One upstairs tenant wanted to vacate asap and was polite but asked me if I had any coverage to move her out. Also, as of late, tenants are pushing the "therapy animal" legal get around for "pets." So, when @Paul Enzinger brings up bites from dogs, like many others have in this thread, it really gets me thinking. I have seen many varying responses here:
1) I don't make them.
2) Its required in my state and I make them.
3) I have them sign, or acknowledge this in my agreement, but I don't enforce or monitor (that's me!)
4) I make them have it prior to keys and enforce it.
5) I ask them to and see it up front but don not know if they ever cancel.
The thoughtful responses of the masses here show me that its more than a good idea, to get this coverage in hand prior to move in and also have the landlord be named as Additional Insured so you know when and if they drop it. I agree with this, but I would not want to evict over this as some as stated. But, I sure think covering your backside makes more and more sense. Tenants are always wonderful up front, but when the issues arise they seemingly can change colors.
Thanks for the feedback, love the thread! @Jason Powell