Reply: 1.1
From: Sim' Hampel
My insurance broker (with a CGU policy) made it easy for us to insure a multiple dwelling property.
There is a single cover for the building(s) - in our case a townhouse converted into 2 flats - which insures everything on the title (both dwellings).
Then for landlords insurance we took out a separate policy on each of the dwellings, as they are separate tenancies.
Note that we had to explain carefully to our broker what the property was - and it made it more confusing that there were two of these properties on separate but adjoining titles, for a total of 4 tenancies... but they got it and worked it out for us.
The moral of the story ? Get yourself a good insurance broker - they'll sort it out for you !