Seems to me that what your landlord is trying to do is move his insurance costs from his policy to you. I don’t know if this is the best way to go about it, but you might get quotes for the cost of insurance, and then inform your landlord you’ll be glad to purchase the insurance if he’ll lower your rent by that amount. Thus moving the insurance cost back to him. As I said, I’m not sure this is the best way to go, but it’s certainly one possible negotiation strategy.
