I need to mitigate the damage that may be incurred if they do, or simply prevent them from accessing it. 

While this can serve to filter out some non-serious applicants, it can also prevent some well-qualified tenants from applying when there are free applications for similar units in the same market.

For example, my lease says (in part): "Tenant shall be charged for repair of drain blockages or stoppages, unless caused by defective plumbing parts or tree roots invading sewer lines."

Living in Oregon wine country requires a lot more cash than my farmboy roots in Michigan.

I am currently working on a lease for  a new tenant in Buffalo, NY. The lease is month to month, but I would like to include that during the winter months they can not leave, as it is always harder to find new tenants...

But neither insurance or govt oversight will prevent if someone wants to take advantage of you.

I’d like to prevent you from making the same mistakes many others have. 

A weasel clause was used by a seller to prevent a weasel (real or perceived) from buying their property.I would direct everyone on the buy side to Mark Manson's book, The Subtle Art of Not Giving a F. 

For the whopping 43 million Americans at risk of losing their homes due to the pandemic (and landlords looking for their rents), there’s a lot riding on this lame-duck period, when two provisions (that have thus far prevented the nationwide evictions tsunami) are set to expire.

This prevents them from calling your cell at 9:30pm on a Saturday to ask about renewing their lease.Once these systems are in place, educate your tenants and then enforce it.