Insurance for a non-rented second home on your property
Is it only used as extra space for your household?
If you have two dwellings on your property and the second one is used only by you or your family—without being rented out—it’s important to have the right insurance to cover both spaces.
What counts as an extension to your own home?
If the second unit/home is;
- Used like a sleepout for members of your immediate family, such as teenagers or elder family members.
- And you all predominantly share meals and/or facilities OR
- Used as a hobby room such as an art or music room OR
- Used as a home office space, then
It’s considered as an extension to your home and counts towards the one home unit/dwelling.
What insurance do you need?
For this setup, you only need one home insurance policy, which will cover both your main home and the second dwelling under the same policy. This ensures protection for:
- Your home and any structures used as part of your home for residential purposes on the property
Get covered today
With initio, you can get a quick quote and buy insurance online in minutes, making it easy to ensure your home and second dwelling are fully protected. Getting a quote and buying insurance online with us is easy, but our cover is anything but basic. We offer comprehensive protection to ensure you’re fully covered.
Need help? If you’re unsure about what policies are right for your situation, contact us to make sure you’re fully protected.
Get covered today with initio – Quick quotes, easy online cover.
Not quite what you’re looking for? Maybe some of these other scenarios suit you better:
- Do you have a second dwelling on your property that you rent out?
- Renting out part of your home short-term
- Renting out a second dwelling solely for short-term stays
- Second dwelling on your property that your family lives in
- Renting out two dwellings on your property
