<prompt> Human: I am looking at a new place with a very attractive rent and living situation. Everything looks great but one of the provisions of the lease I was given to review requires the tenant to carry a personal liability insurance policy for bodily injury and property damage. This is in addition to the security deposit standard one months rent. Even with the insurance premium the finances pencil out for what Im willing to pay, Ive just never seen this before in any prior lease Ive signed. Any thoughts? Red flags?  <response>: My past two landlords have required that. Frankly you really do want it anyway, so its in your interest to carry it. Your renters policy should have cheap coverage. 