Personal Property InsuranceA landlord's insurance policy covers the home and can include insurance for the landlord's furnishings. This isn't the renter's stuff, that needs to be covered under a renters policy, this is your stuff. Coverage for the landlord's furnishings is important, and should not be overlooked. Why, because even if you aren't furnishing the home, the value of what you probably will furnish can be significant. Consider this; even if you do not furnish the home there may be a refrigerator, a stove, a microwave, maybe even a washer and dryer. If the microwave is built in to the cabinets then it would be considered part of the building, as would the dishwasher, but those other big ticket items are exactly that, even with those President's Day Sales Prices. Even on the cheap you are looking at $2,000-$3,000 to replace those items. Maybe that isn't a big deal, however, given the fact that you will already have a deductible you don't want to compound your out-of-pocket costs with replacing landlords furnishing. Coverage is relatively cheap, and is worth considering.

Other things to consider, landlord's furnishings are typically covered for "broad" form coverage not "special" form coverage without being changed. This means your stuff is covered for less than what the home would typically be covered for. If this bother's you can often change the policy to cover your stuff under a "special" form

If you are furnishing more than just the basic appliances, it is important to note that theft of landlord's furnishings will not be covered, so if you are going to rent the home out fully furnished you will want to use other risk management techniques to protect your stuff, whether that be through a large security deposit or in some other way, and never furnish with something you can't afford to replace.