Is a granny flat a separate dwelling?

A granny flat is both separate and not separate, depending on the context. Here's a clarification:

1. Physically separate:

• Self-contained living space

• Own entrance, kitchen, bathroom, living area

• Often detached from the main house (but can be attached)

2. Legally not separate:

• Part of the same property as the main house

• Cannot be sold independently

• Shares the same land title

3. Utility connections:

• May have separate meters for electricity/water

• Often connected to main house's services

4. Address:

• Usually shares the address with main house

• Might have a unit number (e.g., 123 Main St, Unit B)

5. Planning perspective:

• Considered a "secondary dwelling"

• Subject to different regulations than primary dwelling

6. Occupancy:

• Can be occupied independently from main house

• Some areas restrict who can live there

7. Taxation:

• Typically considered part of the main property for tax purposes

8. Insurance:

• Often covered under the main house policy

• May need additional coverage depending on use

9. Rental potential:

• Can often be rented separately from main house

• Subject to local tenancy laws

In summary, a granny flat is physically separate but legally and administratively part of the main property. This status affects how it's built, used, and regulated.