The renewal for our landlord insurance with GIO is due in a couple of weeks and every year I have to work out which companies cover a house rental and granny flat rental that are on two separate tenancy agreements. * Is there a quicker way of working this out or do I have to call them all and ask? * I saw on another thread that maybe we should be getting two separate insurance policies, maybe that's cheaper? Any pitfalls with that though where they might not pay out because of some loophole? The GIO renewal is $200+ more than last year, $1400. By far the most expensive of our investment properties, not sure why. But we're limited to who we can insure with because of the granny flat/separate tenancy agreements factor.