A regular homeowner’s policy will not adequately cover your property or provide you with the proper liability coverage you need if you own a habitational dwelling that you rent to others. Because you don’t occupy the structure, the homeowner policy clauses covering ‘you,’ the insured, won’t apply. It is the landlord’s responsibility to protect the building against fire and other damage, as well as unattached property that belongs to you and is furnished for the tenants’ use. Your policy does not cover the property belonging to the tenants. That’s their responsibility.