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If you move out of a home and start renting the home to someone else you need to cancel your homeowner's policy and purchase a tenant occupied dwelling fire policy. If you are referring to a home that you live in and don't own but are renting from the owner then what you need is an HO-4 homeowner's form. The HO-4 provides you with coverage for your contents inside the home as well as liability coverage. The person who owns the house cannot and does not cover your contents on his policy.
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