Can I insure my house if it is empty?

Can you insure house if it is empty in Australia, yes you can via vacant or unoccupied home insurance from Terri Scheer, AAMI, QBE, Allianz, NRMA and Budget Direct, though standard building insurance may exclude theft and water damage after 60 to 90 days empty. If house empty with no one living overnight for 60+ days due to renovation, deceased estate, holiday home or between tenants, it is considered unoccupied or vacant, with higher risk of undetected leak, vandalism and theft, so standard policy $1,200 to $1,800 per year for $500K building may reduce cover after 60 days, excluding theft and water damage, and cancel after 90 days if not notified. To insure empty house, notify current insurer, they may extend with conditions and extra premium 20% to 50% more, so $500K building becomes $1,500 to $2,500 per year, requiring weekly inspection by you or agent with log, mail collection, lawn mowing and alarm on. If current insurer will not cover, get specialist vacant building insurance from Terri Scheer $1,800 per year for $500K, QBE $1,800 to $2,800, AAMI $1,500 to $2,200, covering fire, storm and flood but theft only with weekly inspection, excess $1,000. So yes, you can insure house if empty via vacant insurance $1,500 to $2,500 per year with weekly inspection, otherwise standard policy may deny claim for theft and water after 60 days.