Can you insure a house if no one lives in it?

Can you insure house if no one lives in it in Australia, yes you can insure house if no one lives in it via vacant or unoccupied home insurance from specialist providers like Terri Scheer, AAMI, QBE, Allianz, NRMA and Budget Direct, though standard building insurance may exclude cover after 60 to 90 days empty. If house empty due to renovation, deceased estate, holiday home or between tenants with no one living overnight for 60+ days, it is considered unoccupied or vacant, with higher risk of undetected water leak, vandalism, theft and fire, so standard policy $1,200 to $1,800 per year for $500K occupied may reduce cover, excluding theft, water damage and vandalism after 60 to 90 days, and may cancel after 90 days. To insure house with no one living, you need to notify insurer, arrange weekly inspection by you or agent with log, mail collection, lawn mowing and security, and get specialist vacant building insurance $1,500 to $2,500 per year for $500K, covering fire, storm and flood but often excluding theft unless weekly inspection, with excess $1,000. For example, Terri Scheer vacant building $1,800 per year for $500K with weekly inspection. So yes, you can insure house if no one lives in it via vacant insurance $1,500 to $2,500 per year, with weekly inspection and security requirements, otherwise standard policy may deny claim for theft and water after 60 days empty.