What type of building insurance best for house with two flats is landlord buildings insurance or blocks of flats insurance with conversion coverage for two units. House with two flats, which is property divided into two self contained flats, also called duplex or house converted into two flats, with one building containing two residential units, requires building insurance covering structure of building including walls, roof, and common areas, with best type being landlord building insurance if you rent out both flats to tenants, or residential block of flats building insurance if you live in one and rent other, or house conversion insurance if property converted from single house to two flats. Best building insurance for house with two flats includes buildings insurance covering rebuilding cost for entire building, typically £200,000 to £500,000 depending on size, with cover for fire, flood, storm, subsidence, and accidental damage, plus property owners liability around £2 million to £5 million for injury to tenants or public, plus loss of rent cover for rental income if property uninhabitable due to insured peril, and alternative accommodation for tenants, with insurers like Direct Line Landlord, Aviva, and LV offering landlord building insurance for two flats with premiums around £300 to £600 per year. If you live in one flat and rent other, need owner occupier plus landlord building insurance. So best building insurance for house with two flats is landlord buildings insurance or block of flats building insurance covering rebuilding cost, property owners liability, and loss of rent, with specialist landlord insurers offering suitable cover.
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