Home owner and landlord insurance

[Evina Nonato]

Hi, 

I am in the process of buying my first rental property.  It is a duplex and it will be home-owner occupied.  I am planning on living on one side and renting out the other side.  Can somebody please help clarify home owner insurance vs. landlord insurance for the property?  I have been shopping around for quotes and I am confused.  State Farm gave me 2 quotes - one home owner insurance for the side of the duplex I'll be living in, and one landlord insurance for the other side.  At the same, I contacted an insurance broker and she gave me a quote from Auto-Owners Insurance that only included home owner insurance, no landlord insurance.   If a duplex is home-owner occupied, maybe no landlord insurance is needed?  Any advice on insurance?