Landlord v. Homeowner's Insurance

[David Drew]

Hi BP,

Can anyone let me know the differences and preferences between a Landlord Insurance Policy and Homeowner's Policy.  If I'm renting a property that has a Homeowner's policy, what are the implications and exposures there?  I'm told that in the event of a loss, I may not be covered for either rental payments OR compensation if I have to put tenants up elsewhere while a loss is repaired.  While I'm sure there are other dependencies based on state and company, I'm interested in the general consensus.  The policy in question in this example would be Lib Mut.