It is coverage for a home that is being rented out, but still occupied -- this is an important distinction, because vacant is another policy/coverage altogether.

Get worker's compensation coverage or opt out as needed.8.

If it was a accident their policy won’t pay for your property.Insurance is super important on a rental not only because of property coverage for instances like this but also for the liability.

If there was no heat on and the pipe burst, the insurer might want to deny coverage because of lack of reasonable care to shut off the water or turn on the heat.Here is one example clause in a dwelling perils list for example(could be in yours or not):2.

now that was comprehensive..although a good broker can make you a lot of money if you find the right ones.. 

I hold my assets in an S Corp. i have always heard you want enough coverage to cover your assets but no more.  

One thing I noticed was that my coverage limit for the property would be upwards of 2X the price.

Giving me plenty of ITV coverage.

Refinances focus on appraisal(s) and debt service coverage (typically 1.25x-1.30x.

To me, this seems rather high for relatively low coverage.