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Rent Insurance

Has anyone purchased this type of policy? If so, has it been helpful when renters leave you without payment? Thanks in advance NEW LANDLORD

I just need confirmation on this as I'm certain I know the answer...I still need to maintain my home owners insurance on my rental correct?
As I understand it,  Renter's insurance applies to the renter to protect their personal property.  As a landlord/owner of the property, you need to purchase a Landlord's policy that would replace your homeowner's policy.  Talk to your insurance agent for more information.
I have never purchased it, but looking forward to also seeing some answers.
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