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All Forum Posts by: Tim Harvey

Tim Harvey has started 1 posts and replied 2 times.

Insurance

Post: Owner Occupied 2 Family- What Insurance Do I Need?

Tim HarveyPosted
  • Charlestown, MA
  • Posts 2
  • Votes 3

Thank you all for the comments and advice, it's much appreciated!

2 Votes
Insurance

Post: Owner Occupied 2 Family- What Insurance Do I Need?

Tim HarveyPosted
  • Charlestown, MA
  • Posts 2
  • Votes 3

Hi all,

This may have been addressed somewhere already, so I apologize if I missed it. I'm new to the home ownership game. I recently bought a duplex- I occupy the right unit and I'm looking for a long-term renter on the left unit for the fall. My question relates to insurance. I have homeowners insurance on the entire home, but I'm learning more about rental property/landlord insurance and I'm wondering if I need a combination of both.

The articles I've read online talk about having one or the other, but since I occupy one of the units I wonder if I need both. Should I have homeowners insurance only on my unit and have rental property insurance just on the left? Should I have both kinds on both units or is that redundant?

Thank you in advance,

Tim

1 Vote