It's also called an "umbrella" policy and protects the policyholder above and beyond the standard limits on their primary policies.

We need to be included on his insurance policy for the property.How does one contact the homes insurance company to be named as part of the policy holder.  

The policy limits of liability could be shared with the additional insured in the event both were involved in the same claim.In all three of the above situations, the policyholder could lose control of the claim, and would be sharing the limit of liability with the client in the event a claim that triggers the policy.https://www.noyeshallallen.com/blog/adding-an-additional-insured-to-your-insurance-policy/What are the Disadvantages to Adding an Additional Insured to Your Policy?

I will say that I've done just under 2,000 claims and with a homeowner's policy I've yet to personally deal with a carrier who didn't take very good care of their policy holder when they had a total loss fire.

The lender will get a copy of this policy and will see the new policy holder being different than the borrower they have on the loan and you can get notices of breach of contract at that point? 

However, I can say that I was a long time Nationwide policy holder on both my primary residence and my rental property. 

As a policy holder you have the right to have a third party evaluate your claim and represent you.

I verified with him that FB and the two partner companies he tried do not allow the policy holder to rent to s8 tenants under their policies, stated that claim rates are too high on s8 tenants. 

The biggest issue with business owners and policy holders is cost (I know, I have been a benefits consultant for 22 years).

You can require the investor obtain a short-term rental policy from Proper or CBIZ which would cover liability up to $1-2M, contents, damage from guests, and income loss (for the policy holder).