"If you add an ADU to your property, you will need to add it to your coverage. That's because your homeowners policy was designed with dwelling coverage limits based on the cost to rebuild the original home — not the home with the new granny flat," says Angela Orbann, vice president for personal insurance at Travelers Insurance. Credit: moehong/Adobe stock

In a push to shore up housing stocks, municipalities across the country have loosened regulations around accessory dwelling units (ADU), colloquially known as granny flats or in-law suites.

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]