homeowners insurance second home

Do you really need insurance car owner if only 2 weeks?
I imagine the owner of insurance is more expensive than a policy of flat owner. It is a second home, only 40K left on the mortgage, amounting to about 1 M, but in anything really valuable. Many of the tenants are now friends. I just wonder if it's worth getting the policy owner?
If you do not get car insurance that essentially uninsured. If you have to make a claim and found out that you violated the terms of his contract will not pay any claim.
Categories: Home Insurance