The easiest way to add coverage would be to have the policies endorsed to add you as an Additional Insured. 

I believe there is a an endorsement that needs to be added to cover the business use of an outbuilding.  

Thank you @Walter Key for that great endorsement.

The primary investor usually has a fully recorded assignment and note endorsement being sure to avoid fractionalizing the note.

The next challenge will be locating the original note so it can be properly endorsed by that same party to follow the Assignment chain. 

Some examples of endorsements you may have or need are:    a.

Sewer line backup is an available endorsement on most policies (at least in Texas), and any damage caused by that of a covered claim is covered as well as long as you take the appropriate steps to protect from further damage AS SOON AS you notice the cause.

I have seen some companies use a vacant dwelling policy with an endorsement for renovation. 

With a rented single family home, I usually recommend a Dwelling FIre policy (some companies call it a landlord policy) with the following:Building Coverage:   Special Form perils and Replacement Cost valuation   (Named Perils and/or Actual Cash Value would be less coveage)Liabiltiy:   Max limit the policy offers (usually $500,000 or $1,000,000) and with an endorsement for Personal Injury Protection (ie.

We have a couple that will add an endorsement to cover the change to tenant occupancy but that is rare.