In a rent-to-own agreement, the tenant is typically responsible for paying for homeowner’s insurance. This is because the tenant is typically considered to be the “homeowner” during the rental period, and as such, is responsible for insuring the property against damage or loss. The owner of the property may require the tenant to provide proof of insurance as a condition of the rental agreement. However, it’s always best to check the specific terms of your rent-to-own agreement to be sure who is responsible for paying the homeowner’s insurance.