Does My Homeowners Insurance Go Up If I Rent? 
If you are going to rent out your home you need a Dwelling Fire policy , not a homeowners policy . Dwelling Fire policies provide coverage for the structure and liability . You can add personal property coverage but generally most of the personal belongings are the tenants so there 's no need . Some companies require tenants to purchase Renters insurance so check with your insurance company before finalizing your lease . 