When you own a rental dwelling, or the property you own is vacant, the risk dynamics from an insurance standpoint changes.  The logic is that you, as the owner, will always take better care of your property when you are living there than someone who is just renting it from you.  So the chance of a property OR liability loss are significantly greater when you rent your home.  Also, your contents are typically not left in the home when you are renting, so this becomes an ‘add in’ coverage, if you need it.  So the answer to this question is Read More »