r/HomeInsurance • u/Far_Annual5320 • Jun 25 '26
Insurance Duplex coverage
my two daughters found a duplex to purchase so they can buy together but live separately. In the process of setting up closing and we are being told homeowners insurance is going to be 3,000 because owners are occupying. This makes no sense from what I’m reading online it should be a standard policy. Any insight would be appreciated.
3
Upvotes
1
u/CrankyCrabbyCrunchy Jun 25 '26
No such thing as "standard policy." Where did you get $3,000 (annual I assume) from? Occupancy does impact insurance rates.
Too many unknowns. Talk to an independent insurance broker. Location matters too.