Second Home vs. Rental Property Insurance: What’s the Difference and Which Do you need ?
https://www.insuracarelife.com/blog/second-home-vs-rental-property-insurance/

There are many different ways to reduce your premium costs, from bundling your policies together to changing your deductibles and eligibility for discounts. Insurance premiums typically change over time, with rates going up and down depending on a variety of factors that you may or may not have control over, such as inflation and theft or loss rates in your area.