Insurance for House Hack

[Mike Hinkley]

Hi all - apologies if this post is redundant, but I haven’t managed to find an answer to my particular scenario on the threads…

I am under contract on my first deal. It’s a 3/2 single family home with an internal/attached studio in-law suite. This is not a true duplex - the “units” have separate entrances but they are also adjoined by an internal door (will be permanently locked), the utilities are all together, and there’s only one address. I plan to house hack by living in the in-law suite and renting out the 3/2 unit to a long-term tenant. 

My question is what type of insurance policy(s) will I need to cover this situation? Is a normal homeowner’s insurance policy sufficient, or will I need a seperate landlord policy or umbrella liability policy, or some combination of the 3? Note, I am planning to require my tenant to carry renter’s insurance. 

Let me know if any further information about my situation would be useful to help answer the question… Thanks for your help!!