Is house insurance for a rental different?

[Valerie King]

If I live in one unit of a duplex and rent out the other, will the house insurance be different than if I were living in a single family non-rental? Once I move out of the duplex and it is a full rental property (both units occupied by tenants) will the house insurance change again?

If all home insurance is the same across income properties and non-income properties, awesome. If it isn't, how does it differ?

Thanks in advance!

[Joseph Gozlan]

Insurance companies have home owners policies and landlord policies and the house hacking situation you mention could fall into one of those depending in state regulations and company guidelines.

Check with a local independent insurance broker because the can shop around for you with multiple companies.

While at it, ask them to quote you an umbrella policy  you'd be surprised how cheap it is.

Best thing I can wish you is to never need this services :-)