What's the difference between homeowners insurance and landlord insurance?

I have home insurance on a place that I'm thinking of renting out. What differences are there, if any, between homeowners and landlord insurance?

Answer provided by
Alexah Grinnell
Answered on Mar 12, 2021
Homeowners insurance covers you for a home that is both owned and occupied by the same person. If you own a home but rent it out to others for a fee, that is when you’d need landlord insurance. Landlord insurance is typically a little more expensive due to the risks and unknowns of a tenant living in the home. It also typically does not cover personal property since the owner would not be occupying the home.

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