Does My Homeowners Insurance Go Up If I Rent? 
A Homeowners ' Policy specifically is intended to cover homes that are the primary residence i = of the home owner and named insured . Therefore , if you leave your house , buy or rent elsewhere and then rent your home to another party , if there is a claim at your house , that claim could be denied because you do not live there . Your Homeowners coverage would have to be transferred to a `` Dwelling Fire '' form in order to maintain coverage . Some companies offer these with Liability coverage included , others do not . So be sure to check with your insurance professional . Coverage for any personal property which you may own that is still at that house will need to be picked up on the new Dwelling policy because unlike a Homeowners ' policy , the coverage is not automatic . 