Do you have a second dwelling on your property that your family lives in?
If you have two dwellings/units on your property and the second one is permanently occupied by a family member or friend who lives separately to you, it’s important to have the right insurance in place to cover both homes properly.
What counts as permanent family use?
If your second dwelling—such as a granny flat, unit, or cottage—is lived in independently by a family member or a friend, then it’s considered a separate household. Even though they are part of your extended family or close circle, the fact that they live there permanently and independently means the second home/unit needs to be insured separately as another home/unit.
What insurance do you need?
For this setup, you’ll need two separate home (Own Home) insurance policies, one for each dwelling. This ensures that:
- Each home/unit is covered.
Begin by getting a home insurance policy for your first property and then proceed to obtain another quote for the second home/unit.
If you rely on rent from your family member for the second home/unit, we would recommend considering the Landlord policy for the second home/unit.
Own Home, Partially Rented insurance
To ensure both dwellings are protected with the right level of insurance you’ll need to set up one policy first, then start a new quote for the other. The good news? Getting covered online only takes a few minutes, so setting up two policies is quick and easy. If you already have house insurance with us and need to add a second policy, login to your dashboard and click on the + add house policy to begin the process. While getting a quote and buying insurance online with us might be easy, our cover is anything but basic. We offer comprehensive protection to ensure you’re fully covered.
How to add a policy for a second dwelling on the same title:
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Login to your dashboard and click on the ‘house insurance +’ button
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Search for your home address & ‘see full quote’
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On the full quote screen, click ‘back’ to edit the second dwelling’s details if needed.
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If both properties are the same size or the details are already correct, no changes are needed.
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Once you go back, edit the property details, then click ‘continue’
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- This will adjust the quote to reflect the correct figures for the property.
Finish the quoting process from here per the usual process – Easy!
Not quite what you’re looking for? Maybe some of these other scenarios suit you better: