澳洲Australia property which home and contents insurer if the pr


在澳大利亚 The pool at of an IP needs to be resurfaced (or so the pool doctor says), the cost was estimated to be $10K ($10,000), after recoverying from my impresssion of a cat coughing up a fur ball, it just seems far too much. Its just a standard poo I need some advice regarding a property purchase. Property - semi-detached house Bedrooms - 2 Condition - average needs internal reno to modernise Street - one of the best in suburb Location - excellent Close to schools - yes Transport - 50m


Hi , we are first time buyer of a PPOR which we intend to live in , but cannot move in immediately after settlement until after 1 month after. Can we get a home and contents insurance for an empty house,- empty for around one month, before we will be able to move in.?

Which insurers will /can provide home and contents insurance in this particular situation.

thanks a lot for any help  

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I would check with the company of your choice. We had a situation where we bought an IP, renovated it before settlement but didn't finish in time to rent it before heading off for three weeks on holiday.

We knew chances were that it would be empty for longer than their allowable time. We simply arranged with the insurer we were already with to make a note. They kept the house insured but the excess rose from $400 to $2000 if a claim was made,

Silly thing was that we were at THAT house all day renovating and the risk of a break in was much higher at our own house which was empty all day :confused:  

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If its empty for ONE month only...your not going to have any problems with most of the insurance providers.

It's only when the home is empty for more then 60 days + then you will have some issues.

Regards
Michael  

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Mick C said: ↑
If its empty for ONE month only...your not going to have any problems with most of the insurance providers.

It's only when the home is empty for more then 60 days + then you will have some issues.

Regards
MichaelClick to expand...
Definitely tell the insurance company though. A family inherited a farm several years ago. They just kept the original insurance policy going (in the estates name, I think). The house was vacant. A wildfire came through and burnt the house to the ground. Insurance didn't pay out because they didn't tell the insurance co. that the house was vacant. Probably fair enough though. If the house was occupied the gutters might have been cleaned and the grass might not have been 3 feet high.  

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You should have no trouble with building insurance, but contents may be a different issue. It may pay to hold off moving things in until closer to the time you will occupy the property.
Marg  

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