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Landlord Home Insurance



I have a landlord home insurance. It is a new house. How much deductible will be resonable.?
I previously have $ 1000 deductible. However, my insurance agent recommend $500 deductible, and changed to $500 deductible. I don't see a good reason. If I change it back to $1000 deductible I could save $27.50 for the yearly payment. Is it better to change to $1000 deductible to save $27.50 per year or just leave it as changed.

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How can I find out who my landlorsds home insurance carrier is?
How can I find out who my landlords home insurance carrier is

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If my sister and her boyfriend become lodgers in my house (I will still live there) ..?
Will I need to get landlord home insurance and will it effect my mortgage (ie do I need to get a different type of mortgage). Surely landlord ins. and special mortgages are for properties bought to let. My sister will only stay probably a year or two but she will pay a little rent.

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