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I'm not sure if this is the correct board to ask this but I recently purchased a 2nd home in Florida and have rented it out for the season (4 months). The rest of the year the home is empty except for when my wife and I can make it there. Question I have concerns whether the home owners insurance policy needs to be amended to reflect the fact that I will have renters in the home?

Regards,

Tom
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I'm not sure if this is the correct board to ask this but I recently purchased a 2nd home in Florida and have rented it out for the season (4 months). The rest of the year the home is empty except for when my wife and I can make it there. Question I have concerns whether the home owners insurance policy needs to be amended to reflect the fact that I will have renters in the home?

This isn't the right board, (there must be a real estate related board that would cover this), but I can assure you that your insurance company will insist on a different type of policy than the standard homeowner's policy if you expect them to pay on a claim associated with your tenant's (ab-)use of the property. Look into a landlord policy.

Ira
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Call your insurance agent. It isn't an unusual situation. There must be a policy that is a combination landlord/homeowner for this situation.
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Thanks for the responses ... I just got off the phone with my insurance agent and there is a policy rider to cover seasonal rentals. The agent indicated that the insurance company could refuse to honor any claims that arose if I were to neglect documenting the rentals.

Regards,
Tom
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