Buying Sub2 - what about homeowner's insurance?

[Ivan Jouikov]

As far as I know, you're required to carry homeowners insurance when you have a personal residence.

If I, as an investor, acquire a property subject to owner's existing financing, what about their homeowner's insurance? If something happens, would they really cover something that happened to "homeowner's investor's tenant"?

How do you go about properly handling insurance in sub2s?