Utopia requires its owners to name Utopia Management additional insured, additional interest or have language in the policy covering the property manager due to the great cost of litigation. Utopia Management is able to provide its service at competitive rates due in part to the owner’s Landlord policy being obligated to pick up coverage for all issues related to the property. Additional Insured mean’s that Utopia is notified should the policy be in danger of lapsing, this protects the property owner.