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What type of liability insurance can you get to lease a commercial building for personal non-business use or is an umbrella policy from your homeowners liability insurance enough for the landlord?

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Umbrella policies are often written as "following form" which means it only provides coverage if your primary (i.e. homeowners policy) provides coverage. Ask your insurance agent if you need to add the new location to the liability section of your homeowner's policy. You may also need "fire legal coverage" which can pay the landlord if you accidentally cause fire damage to the leased building.
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