Property and Liability

Actually you can't just add it. For rented property you need Dwelling coverage.

Your homeowners insurance policy becomes automatically null and void when the property is rented out to another. You can have your agent endorse your policy for rental dwelling coverage or you can have your agent re-write the policy on the appropriate dwelling coverage form.

Homeowners insurance is for owner occupied homes. Dwelling insurance is the landlords insurance for rented properties

Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke.

Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.

No, Homeowners Insurance does not provide the coverage of a life insurance policy.

Homeowners insurance typically does not cover intentional acts like murder. However, it may provide coverage for damages resulting from a crime scene cleanup or property damage related to the incident. It's important to check the specific policy details or consult your insurance provider for more information.