Renting ?'s

I had a few questions about renting aircraft. I am very close to
taking my check ride and my FBO said once I get my ticket I then need
to carry a 25k insurance policy on the plane to rent from them. I
don't have a big deal with this, but they go on to say that in the
tailwheel plane that I have been training (J-3) I will not be able to
land at any other airport, period.

Is this normal, for the tailwheel?
Is it normal to have to carry insurance on a plane that I rent?

Once I get my ticket I will then have to get checked out in a 150,
152, or 172 in order to fly anywhere.

One other thing.... Does anyone know if there is a J-3, Citabria, or
Champ that is rented in the Cincinnati, Ohio area? If so I would
love to know. I am very close to Hamilton (HAO).

Thanks in advance,
Eric Backscheider
ebackscheider_at_ebaweb.com