Check the premium and the amount of the deductible. Insurance is a service you pay for, so shop around. Date the forms and have the landlords and all tenants sign the forms. Keep a copy for yourself and give the landlord a copy. The City of Durango has an ordinance which follows the National Uniform Building Code.
Any tenant is guaranteed minimum standards of quality.
It is very important to accurately fill out the inventory and repair sheets. If your home has extensive damage, photograph the damage. A minor investment in film may save you much money when you move out. If you feel the home does not meet minimum standards, contact the City Building Inspector's office. They will interpret the code for you and make an inspection if necessary.