The typical house insurance policy covers damage to your
property and personal liability coverage. Damage to your property
includes fire, lightning, tornado, and hurricanes.
What is covered by homeowners insurance if you are renting the house?
The dwelling Owners policy does not cover the property or
liability of a tenant.
Rental dwellings are covered under a Dwelling Policy that covers
rental properties not a homeowners policy.
If the tenant seeks coverage, the tenant must buy his own
Renters Insurance Policy.
Will homeowners insurance cover the installation of a HVAC Unit if your house never has had one before?
NO, Your homeowners Hazard Insurance Policy does not pay for
maintenance or other home upgrades. However upgrades should be
reported to your insurer as they can be covered if damaged or loss
occurs from covered peril on your policy. If your Insurer is not
aware that you have added an HVAC unit it will likely not be
covered if damaged.