Need help with insurance question!!! please help!

[Zachary Aldridge]

I close on my first house hack in a week and the property has a guest house on it. My wife and I plan on living in the guest house and renting the main house out. insurance is telling me I need to insure the houses separately if I plan on renting one out but I'm scared my lender (navy federal) won't give me the 0 down loan because I plan on renting the main property out. Advice???