Zenith requests this endorsement because we care about protecting the assets of our Owners. It is important to us that you understand that if your insurance company does not provide the needed coverage you will be personally liable if there is a claim. By listing Zenith with the Additional Insured endorsement on your rental dwelling policy, you are requesting your insurance agency to defend both you and Zenith should a claim arise. You as Owner and Zenith as Manager would be represented as one party together, accruing only one set of defending attorney’s fees, which would be paid by your insurance company.  By failing to list Zenith as an Additional Insured on your rental dwelling insurance policy, you the Owner are responsible to indemnify Zenith. Any legal costs and settlements would be your personal responsibility.  As you can see, the Additional Insured endorsement is in your best interest as you endeavor to protect your rental home and many other assets.