Home Insurance for Multiple Homes on the Same Lot

[Cody Pexton]

Hi Folks, I'm new to the REI world. I've been messing around with the rentals calculator quite a bit... analyzing real deals in locations I'd actually be interested in. I've seen a couple properties that have "two homes on one lot" or "two duplexes on one parcel". I'm curious if those of you with an investments like this have shopped around to find bundled insurance policies? Is that a thing? Can you get two separate buildings on the same insurance policy, or have you found that they generally need their own (completely separate) insurance policy?

I have also seen duplexes that are only separated by a roofed car port... so I'm curious where they draw the line. 

Thanks!