We dwell in a 1,500sqft office so as you can imagine.

Its very rare in CA for an actual dwelling to be sold at tax sale 99.9% of all tax sale properties in CA is bare land.. so the risk is access.. and as Ned stated everything else is wiped off of title.Now getting title insurance to resell can be tricky..

(a)Where a single building is erected for separate families, the building shall have the appearance of a single-family dwelling house.

More information about this requirement, including mandatory language, is provided in the Notice section of this webpage.The limited exemption for single-family homes does not apply where there is more than one dwelling unit on the same lot, or any second residential unit in the building that cannot be sold separately from the subject unit (such as an in-law unit).

You can specify the coverage level for the dwelling, household furnishings, loss of use, liability, and medical payments to others.

To locate the best short-term rental (STR) insurance for your Asheville property, consider must-have coverages such as dwelling, liability, loss of use, and additional living expenses.

Florida video voyeurism law:810.145 Video voyeurism(1) As used in this section, the term:(c) “Place and time when a person has a reasonable expectation of privacy” means a place and time when a reasonable person would believe that he or she could fully disrobe in privacy, without being concerned that the person’s undressing was being viewed, recorded, or broadcasted by another, including, but not limited to, the interior of a residential dwelling, bathroom, changing room, fitting room, dressing room, or tanning booth.(2) A person commits the offense of video voyeurism if that person:(a) For his or her own amusement, entertainment, sexual arousal, gratification, or profit, or for the purpose of degrading or abusing another person, intentionally uses or installs an imaging device to secretly view, broadcast, or record a person, without that person’s knowledge and consent, who is dressing, undressing, or privately exposing the body, at a place and time when that person has a reasonable expectation of privacy;(b) For the amusement, entertainment, sexual arousal, gratification, or profit of another, or on behalf of another, intentionally permits the use or installation of an imaging device to secretly view, broadcast, or record a person, without that person’s knowledge and consent, who is dressing, undressing, or privately exposing the body, at a place and time when that person has a reasonable expectation of privacy; or(c) For the amusement, entertainment, sexual arousal, gratification, or profit of oneself or another, or on behalf of oneself or another, intentionally uses an imaging device to secretly view, broadcast, or record under or through the clothing being worn by another person, without that person’s knowledge and consent, for the purpose of viewing the body of, or the undergarments worn by, that person.(5) This section does not apply to any:(a) Law enforcement agency conducting surveillance for a law enforcement purpose;(b) Security system when a written notice is conspicuously posted on the premises stating that a video surveillance system has been installed for the purpose of security for the premises;(c) Video surveillance device that is installed in such a manner that the presence of the device is clearly and immediately obvious; It sounds like the OP's situation may not be covered.

It includes a primary residence, as well as a detached garage/storage area in the backyard that I am looking to convert into an ADU (Accessory Dwelling Unit).

I wouldn’t necessarily give up on your idea to add an accessory dwelling unit to your property.  

This is what's surprising me at beginning of the year.The Milwaukee insurance agent called me hey your dwelling coverage should be 600k !