We "rent" our home from DH's parents and have a basic renters policy. They obviously hold a home owners policy on the house.

They've recently begun bugging me to get some type of insurance policy, but from what I'm understanding, I can't get a regular policy because I'm not a licensed provider, which then they recommend a rider or umbrella on the homeowner insurance correct?

Is there a way for me to buy some type of insurance to appease them and cover my butt? I don't wanna pay for a policy of its not going to be of any worth, but I'm not sure how to go about getting one for a property I don't own and a business that isn't a licensed business.....I'm sure my renters policy doesn't cover me, so then what?

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