澳洲Australia property Building Insurance (body Corp Only , Priv

在澳大利亚Property Investment




Hi I am just about to settle on an IP in Karratha WA. I have to provide insurance over the property to satisfy the bank due to the nature of the lend.

The body corporate have building insurance over the property's in the strata and I am wondering if this is sufficent or should I take up my own policy. I am a little concerned about doubling up as the premium will be from 900-1300 depend on which company I go with (I assume the premium is high due to cyclones).

Also is it worth getting contents and landlord insurance?

I need to get a certificate of currency tomorrow (monday 22nd) so if anyone has some thought please post back by then...

ta
Keg75  

评论
The bank is probably looking for a copy of the Body Corporate Insurance which the Body Corp. should be able to provide you with.

Sometimes the bank will ask for a "Mortgagee Interest Only" insurance policy which covers the amount being lent by the bank.
The bank will be an interested party. This insurance seems to be required in case the body corp. for some reason fails to insure the building. Would think the premium would be less than $160.

The contents are up to you to insure.

You should clarify with the bank exactly what they are looking for just in case.

Cheers Brenda  

评论
Keg 75

I have a small contents policy on each unit I own. I do this for the public liability cover. The body corp building insurance only covers the exterior of the building and stairwells - it does not cover the interior of your unit.

Julie

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