Does homeowners insurance cover tenants' belongings?

From a landlord’s perspective, if you rent out your property, you will need to make sure you have a dwelling fire policy and not a primary home policy. With a dwelling fire policy or landlord policy, there is typically not much coverage for personal belongings. Furthermore, the owner of the property is typically not able to carry coverage for the tenants’ belongings, just like a tenant is not able to insure the home. For all landlords, it is a good idea to require their tenants to carry renters insurance so the tenants’ belongings are insured properly.