You cannot insure them as one unit. Just advise the insurance Coy's of the position and pay the premium asked. DO NOT try and do it on the cheap.

Ian

One concern we have is that the main house will often be vacant and I wondered if we insured the flat and house as one unit, then it might keep the premium down as there would always be an occupant.

One policy for your own house as owner occupiers and add the flat as a second property ( with a different address say Flat 1) as a tenanted property with contents cover. Most reputable insurance Coy's can do this.

Ian

We are buying a house which has part of it converted into a one bedroom, fully furnished flat. The tenants from the previous owners will stay on as tenants. My husband works overseas so I often spend extended periods away with him. This means that the main part of the house would be vacant, but the flat, which has a lockable connecting door, would be occupied and tenants would have access to our house in case of emergency. We want building and contents insurance for the entire house, including the flat and landlord liability insurance for the flat. Can you advise us as to the most suitable insurance cover.