Most accidental landlords start the same way: they move, they keep the old house, and they let the existing policy renew. That policy is now describing a property that no longer exists in the form it assumes.
A homeowners policy on a property you have moved out of may not respond to a tenant-occupied loss.
Three things that change the day you stop living there.
A homeowners policy is written for an owner-occupied residence. Once tenants move in, the occupancy stated on the policy is wrong, and a carrier can decline a claim on that basis. This is the single most common serious error among people who became landlords by accident rather than by plan.
You no longer need contents cover for a house full of your belongings, and you do need loss of rent, which a homeowners policy does not contain. The conversion is not an administrative formality; it is a different product with different parts.
During the move, with your things partly out and no tenant yet, the property is neither owner-occupied nor tenanted and may be approaching a vacancy condition. That gap is worth managing deliberately rather than crossing quietly.
The switch, done properly.
The date the policy should change with it.
Loss of rent should be set against it rather than a default.
Vacancy conditions apply in the gap and nobody plans for them.
Tell us when you moved out, when the tenant moves in, and what the rent will be.
