It's not clear how you loaded 2 (personal) versions last year. Not being able to install 2 (personal) versions makes sense, and saves you money. The Home+Business has the features in Premier, PLUS it handles the business returns. Buy only the Home+Business & do each of the returns in that. If someone buys the Premier & tries to enter 1099's or other Business related information they can pay the upgrade fee to go to Home+Business.
FYI: The above does NOT apply to the Business software, which handles Corp., LLC. Partnerships & Trusts. That can be loaded in addition to any personal version. Maybe you bought Home+Business to do the Trust rather than the Business software last year, and that's what you need again this year !
