Is homeowners insurance all the coverage landlords need?

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How does insurance coverage of a rental property work. Are there special forms of homeowners insurance that take tenants into account? Or is there a separate form of insurance that landlords should have? What about in the case of house hacking?

Holding a mortgage, you still need to cover the equity just like a Home Owner's policy.

The LL policy covers public liability to protect you from tenant lawsuits.  Be sure to get the Replacement Coverage!!

The Tenants should have their own Renters Policy to protect their personal property as your LL will not cover them.

You can also get an Umbrella policy for extra liability coverage and

There's Errors and Omissions  coverage also.