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Home with Accessory Dwelling Unit Insurance - Let us find your best coverage - coverage for homes with a guest house or in-law unit

An ADU – guest house, garage apartment or in-law suite – changes how the property must be insured, especially if it's rented. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Home with Accessory Dwelling Unit (ADU) Quote Request

Applicant Information:

Have these handy

  • Property address, year built and square footage
  • Roof age and type, and heating / electrical updates
  • Current declarations page
  • Claims in the past 5 years
  • ADU size and use

Related coverage

Coverage details

What Home with Accessory Dwelling Unit coverage includes

An ADU – guest house, garage apartment or in-law suite – changes how the property must be insured, especially if it's rented.

  • Dwelling - Repairs or rebuilds the home after fire, wind, theft and other covered losses.
  • ADU structure - The accessory unit, attached or detached.
  • Fair rental value - Lost rent while a covered loss is repaired.
  • Personal liability - Injuries to guests and damage you cause to others.
  • Personal property - Furniture, clothing and belongings, at home or away.

Good to know: tell us whether the ADU is used by family, guests or paying tenants.

Not covered: short-term rental use unless endorsed.

Insurance Application:

Home with Accessory Dwelling Unit (ADU)

Required forms

Home with Accessory Dwelling Unit (ADU) Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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