Landlord home owner insurance usually covers the property itself, not the tenant's belonging.The tenants need to have their own renter's insurance to cover loss of their items like personal clothing, electronics, furniture, etc.

It means there's gonna be some furniture moving around in that property. :-) Often bulletproof, plate carrier are the vests some police and battle-ready military personnel wear. 

I am looking for the best Premier House Furniture Staging Company near Atlanta, Alpharetta area.

Do you buy furniture for everything or do you rent it?

Dont stretch yourself out too thin buying new furniture, cars, etc.There are going to be so many more costs that come up over the next couple of years.

They move furniture around and the housekeeper can't move it back by herself.

Thanks for the quick reply, Julie - very encouraging to hear that it's an avenue worth pursuing.I used to be concerned about my personal furniture (which is not inexpensive) but after I added up the opportunity costs of NOT utilizing my primary residence as a STR in my absence, all my concerns about it vanished.

I still need to speak to a mortgage broker regarding how best to acquire the property using the funds as 20% down + closing costs + light rehab and furniture install.

That policy came about after we found (years ago) tenants burning newspapers, pine branches (nice aroma, dangerous for chimney fires) old furniture and trash in the fireplace. 

My biggest worry is buying all the furniture and items we'd need to make the space a BnB but then it totally failing.I don't want to spend all that money if I'm not going to make it back.