Homeowners vs Landlord Insurance - Owner Occupid Triplex

[Lance Knapp]

Hi, I closed on an owner occupied triplex three months ago. I got a standard CA homeowner's policy that is $126/mo with a $1,500 deductible.

My Dad brought up that since I have tenants, I may need landlord's insurance that would protect me further. Does anyone have advice on whether I should keep my policy or switch to a landlord insurance policy?

Thank you