homeoner insurence or Non-owner occcupied landlord insurance???

[John T.]

How are you, my name is Juan. I was reading some post and I just read something that made me believe I might be wrong about the insurance I got. I have a rental property in Indianapolis, and I just get a homeowner insurance, with a high liability, but now I read that what I should do is to get a Non-owner occupied landlord insurance. I had no idea. Should I cancel my current policy and get that type of policy? Are they very different or would be better to get both?. I am very confused about this right now. I hope someone can really put some light into what the people who are landlords and in the business of rental property really do. 

Thank you so much to anyone who take the time to write and give some help.

[Irina Belkofer]

If it’s a rental, the homeowner insurance won’t pay you because you don’t live there.

You need to cancel that and replace it with landlord insurance.

Your Tenants must have their renters insurance as well.

BTW, not occupied house is not getting insured

You have to talk to your agent in details, even if you miss some details about rental, you can be denied in claim.