Insuring a House Hack

[Brook Boatman]

Hello Everyone!

I am in the process of buying a side by side duplex where I will rent out half and live in the other.  I have talked to USAA and State Farm so far but they gave me very different information.

USAA:

    Homeowners Insurance

Dwelling: 310,000

Personal Belongings: $155,000

Personal Liability: 1,000,000

Monthly Payment of $173

State Farm: 100% Replacement Cost

     Rental Dwelling

Dwelling: 162,000

Personal Property: 8,100

Business Liability coverage: 1,000,000

Monthly: $43

    Homeowners Rate

Dwelling: 158,000

Personal Property: 118,500

Personal Liability: 1,000,000

Monthly: $43

Total Monthly = $86

I have read different places that house hacking situations should be insured under landlord insurance (to cover the structure) and renters insurance (to cover personal property).  I asked about this when doing both quotes and neither seemed to fully understand what I was talking about.  Any guidance on this would be appreciated!  Thank you!