Insurance question and confusion...

[Jeffrey Marzan]

I recently just purchased a duplex (two unit) in TX. After closing and signing (and bought my first house ever!), I gave USAA a call to see if the account for Home Owners Insurance is activated, in which they said it was. But, I told them that I'll be moving in for a couple of months due to tenants lease I have to honor, of course. So, they basically told me that I have the wrong coverage policy because it's suppose to be Rentals Insurance which basically covers the house and none of the tenants personal goods. Yes, I know there is also another insurance that sounds like it but are totally different which is Renters Insurance (which covers you, per se you were the tenant, if you were to rent a place). But, then I asked others that are experience and ventured in this type of business, and they said they have Home Owners Insurance and others have Rental Insurance...I'm totally lost, now! I don't know which coverage policy I should be really looking into or have. Any help, please?