The reason why your landlord wants you to included her in the tenant insurance as a additional insured party is because of liability issues. In case there is an accident that occurred within the property like somebody got hurt. That person might sue your landlord or you for the accident.Perhaps I have failed to distinguish to points properly. I understand the part that tenant insurance is important. In fact, I have decided to get it anyway. I am concerned about the second part. Why does the landlord wish to be covered as an additional insured under my tenant insurance? Why do I have to include her under my tenant insurance?