Two dwellings at the same property

Cover for your home, contents and the additional space, granny flat, or unit you own that’s on the same property and shares the same title.
Let’s help you choose the right policy or policies for your situation.

So at your own property (where you usually live) you have a second unit or dwelling and the following applies:

  • You have two dwellings or units on the same property, this could be a main home and a granny flat
  • These two dwellings share the same title
  • You live in one of the dwellings
  • The other dwelling is self-contained (meaning it has its cooking facilities, bathroom and somewhere to sleep)

If this isn’t you then it sounds like you need something more bespoke – sorry we wont be able to help.

If the second unit/dwelling is not self contained (eg its a sleepout and doesn’t have a toilet or cooking facilities) then you’ll just need one policy and you don’t need to read on.

Which scenario fits you best?

You have two dwellings & rent one out long-term

  • The other dwelling/granny flat is rented out long-term (90 days +)  
  • That person is not considered to be part of your household 
  • You might have a tenancy agreement, flat-sharing or boarding arrangement in place

YOU NEED

TWO separate policies; Home and Contents Insurance as well as Landlord Insurance for the same address

Get owner-occupied quote

Get landlord quote

You have two dwellings & rent one out short-term when you are not using it

  • The other dwelling is rented out periodically to guests for short stays only (less than 90 days per paying guest)
  • The other dwelling is not used for long term (over 90 days) rental
  • This could be an Airbnb for example
  • You use the area yourself (or friends and family do) between paying guests

YOU NEED

ONE policy; for an own home, partially rented for your address.
This provides you with loss of rents cover too.

Get home, partially rented quote

You have two dwellings and one is solely for short-term stays (e.g Airbnb)

  • Your second dwelling (that is self contained) is purely for short-staying paying guests
  • You or your family do not use this area in between guests

YOU NEED

Unfortunately, we do not currently have a product that fits the purpose of sole Airbnb use

You have two dwellings & you or your family use it

  • The other dwelling is not rented out (either short or long-term)
  • It could be a granny flat, sleep-out or cottage for a family member
  • It is occupied occasionally by someone from the same household (not permanently)

YOU NEED

ONE home and contents policy. Get a quick quote and start cover online

Get owner-occupied quote

 

You have two dwellings & your family uses the second one permanently

  • The other dwelling/unit/granny flat is not rented out (either short or long-term)

  • The other dwelling/unit/granny flat is occupied on a permanent basis from someone in your family and lived in independently from the main home

  • It could be a granny flat or cottage for a family member
  • It is occupied by someone from the same family or a friend who pays no rent.

YOU NEED

TWO home and contents policy. Get a quick quote and start cover online

Get owner-occupied quote

 

What if you don’t live there and rent both out?

  • The first and second dwelling are rented out as residential homes

  • They are rented on a long-term basis (no Airbnb or short-term lets)

YOU NEED

If they are NOT physically connected, you’ll need TWO landlord policies (one for each self-contained dwelling). Get a quick quote and start cover online.

Get landlord quote

If they ARE physically connected, e.g. one upstairs/own downstairs, attached by a wall/roof/garage then use our Multi-Unit Rental policy.

Get multi-unit quote

From our customers

I checked out a few of the major insurers before I found initio landlord insurance. The thing I love about initio was that I didn't have to waste time giving my personal information upfront, and then have to deal with someone on the phone. Initio gave me an instant quote online, which was the best price I had seen. Its simple, quick and very competitive! I would recommend to anyone.

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