Insurance for detached ADU

[Anna Ogo]

Hi BP members!

We are going to get our primary residence with a rentable detached ADU. The unit needs to be renovated in order to rent it out, so we are planning to have it renovated after we bought it and rent it out.

How would you take insurance policy for this? Our agent suggested that we should get two separate policies for the main house and the ADU, since the ADU has its own kitchen. Also, he said that we should have an insurance for vacancy because we are not going to live in right away due to the renovation project.

I was wondering if anyone get a single policy for a house with detached ADU because having two policies could cost a lot more.

Thanks!