Type of Insurance needed?

[Emily Hobbs]

Hello BP! I'm in need of some advice. My husband and I are purchasing a home in the Houston area. The property has 4 units total: one main house (will be our primary residence), a converted garage (upstairs and downstairs unit), and a pool house. So basically 3 rentals on our property. What type of insurance makes the most sense for this type of property since we will also be occupying it? A basic homeowners policy for the main house where we will be living? A landlord policy? This will be our first rental property purchase. In addition, does anyone have any recommendations for insurance carriers that are local to Houston or Texas that you have had good luck/great rates/decent coverage? Thank you so much!