Home owners insurance are covered by basic policies, HO1, HO2 and so on. The standard policy is HO3. Covers fire, water (but not flood) ice and so on. Excludes movement of ground (earth quake/mud slide) and Flood, pus a few other much smaller things. Flood insurance is subsidized by the government. You may buy it from you agent bundled with your policy but it's really separate.
What you are looking at trying to do is only cover you personal items, not the structure itself, plus liability from what I gather. You should be able to buy a policy like that because your agent should be able to tailor a plan for you. If not check other agents. I would think that renters to cover your personal items and a separate property liability policy. I just talked to my agent a week or so ago about a property liability policy (no insurable buildings on site on a small piece I may buy). And yes I can get just that.
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