I would require them to purchase an insurance policy without breed exclusions. 

In my experience, if the HOA policy has exterior/structure/roof covered usually a "condo policy" that covers drywall-in is what you'll need.    

There are many different insurance options you can look into, generally you would look into an umbrella policy if you are in the property with other tenants, if you have a single family home as a rental usually you would only have what they call a "fire policy" to cover the building but not the tenants belongings.

I think at the end of the day everyone is going to see the reality of this "bridge of prosperity" that is driven by Fed monetary policy (which began in 2009).

The most frequent issue we have with seller/REO title policies though is here they don't search for non recorded liens...recent code violations, utilities, etc. and those exceptions are in the B exceptions.  

I also hear this is not likely if you are loyal and make your payments, but it sounds like a big risk to me.Others have mentioned getting an Umbrella policy to cover you.

Do I need to call my homeowners insurance or umbrella policy or anyone before doing this?

4) Smoking: In my lease, I have a "no-smoking" policy.

It's typical for existing insurance policies to be canceled, and the buyer has absolutely no interest or rights to a prior policy.

Just my personal policy.