House Hack Insurance Policy

[Kevin Chiu]

I'm looking to close on a townhouse later in the month and will be house-hacking it by renting out rooms in the house. 

I've called several agents for quotes but wanted a second, unbiased opinion. What type of insurance do I need to purchase? 

The consensus from the agents that I spoke to was that I would get regular condo insurance, and have my renters get renters insurance. However, one particular agent told me that my condo insurance (or any homeowner's insurance for that matter) does not cover liability for renters, only guests. 

So if one of my renters hurts themselves in my property and decide to sue me, my condo insurance's liability portion would not cover that. Thoughts? 

Thanks, all!