It's usually called a "Floater Policy." When renting you should always get a damage deposit from the tenant and if they leave your suite in ruins at least your insurance will pay for it. You have the right to give 24 hours notice to your tenant (by letter) stating that you will be inspecting the suite. If you haven't prepared yourself with a "Floater Policy" or obtained a damage deposit from your tenant then I'm sorry to say the cost will be yours unless you go to small debts court and it may not be worth your time. Before renting again take a picture of the suite with the date on the picture (use a video camera if possible) get the damage deposit and do a 4 months inspection (giving 24 hours notice.)
If you mean property like the land, then the insurance covers the land the house is on. Other one is "property insurance" covers the items in your house, let's say someone broke in and stole your amazing 54in flat screen TV. You have property insurance and it covers the cost of the TV or part of the cost. You make a claim for it then insurance sends you money.
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