We thought it was odd too. We've rented cottages each summer for the last 5 summers and have never had to do this. I'm guessing they do have some sort of insurance on the place, but maybe not full coverage?? Who knows. It's a nice little cottage on the ocean and available, so we'll pay the renters insurance.That is a weird request. You should be able to get it from your insurance company.They should have their own insurance on the property that covers you.