What Is The Difference Between Homeowners Insurance And Landlord Insurance? 
The primary difference is that a Homeowners policy provides coverage for you and your home while your home is your primary residence . In other words , you not only own it , but you live in it . A Homeownewrs policy has clear limitations and exclusions in cases when a home is not owner occupied that may in fact cause the insurance company to cancel the policy mid term . A dwelling fire or commercial residential property policy is similar , but it provides coverage for the property owner -LRB- landlord -RRB- and provides no coverage for you if you are residing in that home as a tenant . You would need to talk to your Insurance Professional about purchasing a Renters ' Polisy in order to be sure you and your belongings are properly protected . 