Should Tenants have to purchase extra property insurance?

Is it legal for a rental property owner make a renter purchase property insurance other than the person to purchase renters insurance? I would assume that should say some type of damage to the outside of the property or the building it self would come under the properties owners insurance. Additionally, is it legal for a tenant should they opt out of purchasing extra property insurance for the apt. that they are renting be charged an extra ten dollars a month for this purpose? The company suggest that the amount of coverage be at least fifty thousand dollars

 

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