It is loss of rents coverage for this claim.   

@Peter Walther To my knowledge, you can’t get enhanced owners coverage (which would cover post-policy forgery) on investment properties.

I have not seen a personal umbrella that drops down to pay dollar 1 of coverage. 

The liability coverage on recourse is worth way more than that.

First, the insurance is usually directly handled by the tenant so the pricing is up to them as long as they meet the minimum requirements of coverage and grade.

The homeowners insurance was lapsed at time of fire so they have no coverage. 

I can only imagine having to file an insurance claim for repairs would probably be a longer and more painful process, but if increased coverage to the point you can actually recover the full costs of repairs it may be worth it?

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