as the land owner, can't write the contract anyway you want? it's a contract and both parties have to agree to it. so, I don't know why you couldn't require the insurance. if I keep the property I have now, I am going to tell the management company to add that to my rental agreements in the future. the problems I have had with my property is after they get in and destroy things and not paying the utilities and rents, is getting them out. this is where I believe the laws are deficient, it's too hard to evict.