Insurance options for main dwelling and secondary dwelling

[Dinnash0]

Hi,

I need to know what type of insurance suitable for both main and secondary dwellings.  My recent home insurance cancelled the policy after I told them that I am starting Airbnb on my secondary dwelling.  

I need both dwellings to be insured while running Airbnb.  I am not interested in Short term rental insurance as Airbnb covers the granny flat while a guest stays. The problem is with STRA  insurance,  they do not cover natural disasters and only covers damage done by guests etc.

Hope you can understand my issue.  I just purchased NRMA for main dwelling and Sharecover for granny flat but, Sharecover doesn't cover natural disasters and I  have to find a suitable cover that covers granny flat for natural disasters.

Thank you. 

[Mike-And-Jane0]

@Dinnash0 just to add to your woes I do not believe Airbnb covers the property when a guest stays UNLESS the guest causes the damage. So if you have a hidden plumbing or wiring failure that leads to the place flooding or catching fire you may well not be covered. Do you have specialist insurance brokers that you can go to in Australia? If so I am sure they will offer a policy underwritten by Lloyds of London.

[Frances3408]

@Dinnash0 .Yes, it would be much easier if both were rented out then your landlord insurance for building usually covers both dwellings as long as on same title. 

Have you tried Allianz or Terri Sheer?