What Kind Insurance Do Need If I Have A Rental Home? 
For a rental property you will need a Dwelling Fire Policy commonly known as a Landlord Policy . This type of policy will protect the owners dwelling , other structures any personal property if chosen . Also Personal Liability -LRB- which may be called business liability on some polices -RRB- , guest medical and Loss of Rents . Some policies will also include Personal Injury and wrongful eviction which in my opinion are essential . Talk to your local agent about your specific needs . Also keep in mind your tenants property is not covered by a Landlord policy nor is the tenants liability . As a landlord I highly recommend you require your tenants to maintain renters insurance and list you as an additional insured . 