I am renting my home for 4 months and that's why I need to convert my Primary home owner's insurance policy to Land lord policy. But after 4 months I can't change the insurance of my home to Primary home owner policy. But I will have to get the Home owner's insurance for the secondary home which is more expensive then the primary home. I do not live in this house. So is it okay to go for a landlord policy for 4 months and then to secondary home - insurance policy? Is there a risk of very high premium on Secondary policy, could I change the policy back to primary home owner's policy? What are the drawback of a secondary home insurance vs primary home insurance policy. Please help. Thanks.

If you're not living in the second house, then you should be able to get a dwelling policy. Especially if your goal is to rent it out. Your HO3, if it's a single family detached structure, should be the one for the house you will live in, as it includes personal property coverage.

Are you talking with your homeowner's insurance agent at all?