What types of insurance would a business that rents out houses to people need? 
homeowners do n't work here because the owner is not occupying the dwelling . what you need here is called dwelling fire coverage for rental properties . there are basically two types of policies : a DF1 and DF3 . if your properties qualify , DF3 policies are better . there are plenty of companies that will insure these properties unless the property has been vacant longer than 2 months . if that 's the case , you will have to look a little harder . but you can get coverage for vacant properties as well . 