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RE: Rental Properties

It's so strange how it works outside my country, do you have to pay insurance even if it's rented by someone else? Or do you keep it off until it's rented? It does come into account what the insurance charges or not, (flood or theft maybe?) Normally we just lock our houses up tight, and if in case we have some event of nature, we just have to turn around and get on with life, no insurance here.