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Richmond Home Insurance But if you are determined to go it alone, the above tips should help. "I have heard of lenders who won't cancel PMI, regardless," says Keith Gumbinger, vice president of HSH Associates, a mortgage-information provider in Butler, N.J. That might be the case; you however are most likely providing carpets, curtains, kitchen appliances etc. If you have a mortgage on the property or have calculated your rental income verses your outgoings this will ensure you do receive your rent. For any of those reasons you must make sure the property is insured. Right now, the consumer generally has to ask a lender to stop charging for PMI, which is not easy to do.