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According to a story in Business Insurance News (www.businessinsurance.com) you "might" want to consider having the extra coverage of a Renters Policy if your'e going to put that second home on the market for others to rent. 
According to the story property owners renting homes might want to consider themselves lucky if all they have to deal with is clogged toilets and broken windows. Some of the more unusual claims that Schofelds, Ltd. investigated included an italian vacation rental home that was used as a brothel during a four week rental and an English cottage that needed to be totally refurbished after the vacationers renting it decided to hold an indoor barbeque on the flagstone floor. 
Renters vacationing in Spain also tried to bring the outdoors inside by building an indoor beach while other renters at another Spanish property chose to redecorate their vacation home by moving various items of furniture into the swimming pool. 
The "topper" however was a claim from one vacation homeowner who reported discovering that renters had left the walls and carpet of his property covered in blood. A look around subsequently revealed a pigs head in the trash.

AT Birchell Insurance Agency, we would be happy to speak with you regarding your rental property. We can be reached at 800-978-8813.
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