as a landlord do I have to have homeowners insurance and umbrella

I am a first time landlord and was told by many people that instead of having homeowners insurance on the rental property I just need an umbrella coverage policy. My insurance salesman said I need both, plus he is telling me I need a more expensive homeowners policy because I am not occupying the property, is he trying to rip me off?
so is there a difference between a primary homeowners policy and a rentel unit policy?

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