Just ask anyone who was injured in a car accident if they expected to end up in the hospital before the day was over.

When I have it rented, it moves over to cheaper, long term policy.The issue for me is not as much coverage of a complete loss, but rather someone trespassing, getting injured and making a claim. 

Although there's an argument to be made that getting adequate insurance should suffice, there's definitely an added benefit to protecting you personally should anyone be injured during the renovation of the property or as it's occupied as a rental.

You take on the risk of any law or code violations, injured parties, etc.Why let someone else make money with your property?

If they get injured this would likely be the first place their lawyer or insurance company will look. 3) Marketing of the property.

With just our normal tourist load getting injured (biking, keeping, climbing) the hospital can barely keep up....add corona, it would be impossible.

If somebody gets injured on the job...Not sure if that was the point of your question here, but just throwing in my two cents on more administrative side..

Also I will keep going to work until my employer tells me not to (I'm in the business of transporting sick and injured people).

Just when I thought corona virus wasn’t going to stop me from renting the unit, this.https://6abc.com/shooting-in-cheltenham-leaves-one-injured/6017486/

Most likely way you obtain a total loss on the house is through a fire.....In addition the $300,000 in liability coverage is to protect you should a tenant die or get injured on your property and sue you because of it.