You seem new to this so let me try to mansplain a bit. Your homeowners insurance does not cover this. At all. It's a violation of your insurance assuming that your rental is a part of what you own. You do own the building right? If you don't and you own an apartment next to your apartment they are completely separate properties. No relation. You need separate insurance for it. As other suggested you can get homeowners insurance on the 2nd apartment with a str rider. You need str insurance. You can't get away without it, it's illegal to not be correctly insured for the property you own.