第一次當地主,請問各位,給租賃房買rental insurance好,還是買second homeowner

insurance 就可以了?兩者有什麽差別?insurance agent 給我的quote, second homeowener insurance 比rental insurance policy 便宜 300 塊。租賃房是single family house

第二個問題請教各位是,我自住房加租賃房買5 million umbrella liability insurance, 夠不夠? 沒任何經驗,所以想多跟大家請教。多謝。

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