Homeowners Insurance is for owners of homes that reside in the house. Coverage often includes structure property, personal property,premises and personal liability, and loss of use among other coverages.
So called Landlord insurance is insurance for dwellings that are rented out to others. It often includes coverage for building property, premise liability, and loss of rent. In general the landlord policy will cover you for less.
A landlord policy should be paired with a renters policy that the renter owns.
Please note that these are just general differences. The exact policies for the each company can vary widley.
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