Typically people only get insurance on things that they own, or liability insurance for their own protection. 

I found some articles and old forum posts on BP last night that discussed problems with financing and insurance for this arrangement. 

Erin,Were you able to find insurance? 

Usually when I close on a house, the insurance company sends out somebody to do a visual inspection.

We don't rely on insurance, they love to deny.

I had replacement coverage insurance and received about 300K to restore the house.  

I have a couple insurance brokers that may be able to help.

These policies also cover you in all other areas of life like car accidents as well.

I'm going to ask my insurance company.

I came across some critical information today that I think is important to share with you:In the aftermath of the LA fires, it has become evident that some homeowners’ insurance claims have been denied or disputed because the property title was held in a trust, but the insurance policy was under the individual homeowner’s name.This serves as a valuable reminder to review your insurance policies and ensure that the ownership structure on your property title matches the named insured on their policy.