When renting a home, the responsibility for paying home insurance typically falls on the landlord or the homeowner. Landlords often include the cost of home insurance in the monthly rent, so tenants indirectly contribute to the insurance premium. This is known as landlord insurance or dwelling fire insurance. It covers the structure of the building and any liability the landlord may have. However, it's important to note that this insurance usually does not cover the tenant's personal belongings. Tenants, on the other hand, are responsible for obtaining their own renter's insurance to protect their personal property and provide liability coverage. Renter's insurance is generally affordable and can provide coverage for personal belongings, additional living expenses, and liability protection. It's always a good idea for tenants to check their lease agreement to understand the specific insurance requirements and responsibilities. Keep in mind that insurance policies can vary, so it's best to consult with an insurance professional or review the terms of the lease for accurate information.