Hi, there are home owners insurance, title insurance and maybe Master Insurance policies needed on a duplex. Home buying can be complilcated. I would be happy to help you if you are not working with or planning on working with a particular Agent. Call me at 781-771-8457 or write back - you can find my full profile and beautiful new construction duplex and complex for sale in Hanson at GreatCedarCondo.com! $234,900 and $229,900 is a great price for new construction with granite, maple cabinets, bamboo floors with open floor plan on first floor!