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You should add a condition in the lease agreement that requires the tenant to have a valid home insurance with liability insurance included throughout the lease. The insurance is primarily needed to protect the tenant. The landlord may also take an insurance tailored specifically for landlords.  

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You should add a condition in the lease agreement that requires the tenant to have a valid home insurance with liability insurance included throughout the lease. The insurance is primarily needed to protect the tenant. The landlord may also take an insurance tailored specifically for landlords.