Insurance questions from a newbie house hacker

[Andrew Korver]

Hello all,

Newbie question here. I am due to close on my first deal within the next 40 days. As such, I have contacted my insurance agent to obtain quotes for my existing home (which will be converted into an SFR) and my future home (a house hack duplex).

My agent has provided me with landlord policy quotes for each structure which seem reasonable, but has recommended that I also carry a "personal renter's policy" while my wife and I live in one side of the duplex.  This seems unusual to carry additional renter's insurance as the homeowner.  In the terms of my lease agreements, I will require my tenants to carry a renter's insurance policy.

In addition to the two structural policy quotes, I also have added 1M of additional liability coverage.  Is the additional "personal rental policy" an ordinary request or is my agent trying to up-sell me redundant coverage?

Thanks in advance,

Andrew