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If she has a mortgage it may be paid through the escrow. If she has any kind of home equity, reverse mortgage or anything like that check with the lender because they usually ask to be named on the policy. If she has car insurance check with who she insures the ... At best, if you get a renter, it will be a dwelling policy; at worse, a vacant property policy. AND, you can't buy it for her, unless you have power of attorney for her. Vacant property coverage is EXPENSIVE. ...