Who pays insurance on a rent-to-own house? The landlord/seller or tenant/buyer?

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    We’re selling our house as a rent-to-own and the insurance co. told us that if we rent it out we can only get fire coverage and that the renter will have to get renter’s insurance.. But what about tornadoes, hurricanes, floods, etc.? While he’s making the payments to buy the house we still want it to be covered. Did our insurance co. misunderstand the question?

    Thanks =)

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