What kind of insurance policy you have for your rental home?

[Jingru Sui]

I'm in the process of close on my first rental house. Currently am shopping for an insurance policy for the rental. My statefarm agent just tell me in order to have a rental dwelling policy I have to have a tenant in place(Which I don't). I asked to get a quote for a home owner insurance policy but she told me once I put a tenant in, I can not have 2 home owner policy and she's not sure if statefarm will write my rental dwelling policy. 

Does anyone having the same problem? I'm in Atlanta. Does anyone have suggestions on insurance company that actually like to work with rental property owners?

Thanks,

Tina

[Cody L.]

Whats an insurance policy?