Home insurance on insurance when living in guest house?

[Marvin Santiago]

Hello everyone,

I'm currently on my second deal and having a little trouble with home insurance.  I'm currently under contract on a single family home with a detached guesthouse.  My plan was to live in the guest house and rent out the front house.  I've had a couple companies say they can't insure me.  I also had one company tell me that I need a separate policy on each (regular home insurance and rental property insurance).  When I called USAA they told me I just need rental property insurance and renters insurance for myself.  That didn't seem right to me so I just wanted to see what I should do.  Thanks!