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,
- These two dwellings share the same title
- You live in one of the dwellings
- The other dwelling is self-contained (meaning it has its own kitchen, 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.