Can I Have Multiple Home Insurance Policies? 
You can have multiple homes and a separate policy for each home ; or , you can have one home and a separate policy covering distinct lines of risk . The first answer is self evident . The second answer needs a bit of clarification . The basic principal of indemnity means that you will be restored to your original position before the accident . This means you are not supposed to profit from an accident when an insurance company indemnifies you . So , you will not be able to profit by having multiple policies on one home for the same coverage . This type of fraud is specifically dealt with in the terms of the policy . However , you could theoretically get physical damage coverage through Insurance Company A and liability/medical payment protection through Insurance Coverage B . This would create a multiple policy coverage for one home . I hope this helps . 