rental insurance

There's a big difference between Renters insurance, homeowners and Landlord Property Insurance.

Rental Insurance is more for the tenant's coverage. Homeowners is geared for hte homeowner (but will work for the landlord), and Landlord insurance is designed more for the landlord.

Rates are all based on a number of factors. Age of the home, how many claims have been activated, deductibles, bill payment histories, etc. You basically get to pick your coverage, based on the numbers and it goes into detail what is or isn't covered. Tenants are still advised to get their own renters insurance, since most landlord policies may not cover a tenant's personal items or other things.

Rental insurance doesn't really affect their current auto policy, and sometimes their rate goes down a little or stays the same to span both coverages.

Sorry i was referring to insuring rental property and was wondering what others do as to how heavily you insure them or is it all just personal preference to the amount you are comfortable with.
The reason I ask is i just had a partial loss do to fire and I only have the property insured for 2/3 of appraised value and only a little better than 1/3 of replacement cost according to the insurer . So now the insurer will only cover 1/3 of assessed damages. Hope that makes it a little clearer .

I am checking on Landlord Insurance for 2 houses today.

First question they asked was Cash Value or Full replacement Value.
Cash Value would be what I pay for the House. $14,900.00.

Full replacement value, take Square Footage and multiply by $100.00. So the same house 1500 Sq Ft would be Insured for $150000.00. That quote came in at $1098.00 per year.

I need to call back tommorrow and get cash value quote.

What are the experienced investors here doing?