Can you legally have two home insurance policies?

Can you legally have two home insurance policies in Australia, yes you can legally have two home insurance policies for same property but you cannot claim same loss twice $10K to $500K, as double insurance is legal but insurers apply contribution clause sharing claim proportionally, with two policies costing $3,000 to $5,000 per year total versus $1,500 to $2,500 for one policy, so having two policies wastes money $1,500 to $2,500 extra and may cause claim complications. Legally you can have two building insurance policies $1,200 to $1,800 per year each for $500K building total $2,400 to $3,600 per year and two contents policies $300 to $800 each total $600 to $1,600, total $3,000 to $5,200 per year, but you cannot profit from double insurance, as Insurance Contracts Act requires disclosure of other insurance and insurers apply contribution clause where each insurer pays proportionally for same loss $500K fire rebuild, so if you have two $500K building policies and fire destroys $500K house, each insurer pays $250K total $500K not $1M, so you pay double premium $2,400 to $3,600 for same cover $500K, wasting $1,200 to $1,800 per year. For example, house $500K building, you have NRMA $500K $1,400 per year and Allianz $500K $1,300 per year total $2,700 per year, fire $500K, NRMA pays $250K and Allianz $250K total $500K, you wasted $1,350 extra premium per year versus single policy $1,400. Having two policies may cause claim delays and disputes over contribution. So you can legally have two home insurance policies but cannot claim same loss twice, insurers share claim via contribution clause, so having two policies wastes $1,500 to $2,500 extra per year and causes complications, so one adequate policy $1,500 to $2,500 per year for $500K building plus $80K contents sufficient, with double insurance legal but not beneficial.