Renter's Insurance - how do you phrase that in the lease?

[Mary Joe]

Does anyone have the language you use in the lease for Renter's Insurance?

I am about to renew the lease with my tenant but it gets very costly having to spend another $250 for my attorney just to add a simple paragraph.

I have drafted something here, not sure if I have missed anything. I would greatly appreciate it if someone can provide a standard or more professional language that is commonly used to address renter's insurance in the lease.

My DRAFT:

"The Tenant agrees to obtain renter's insurance at his own expense and with adequate coverage for the duration of the lease agreement. The Tenant acknowledges and agrees that in the event that he does not have renter's insurance or if his policy provides insufficient coverage, then the Tenant shall be personally liable to all damages and losses that would normally be covered under a renter's insurance policy."

Any advice would be appreciated!

Thanks
MJ