Do you need to add spouse to home insurance in Australia, yes you need to add spouse to building insurance $1,200 to $1,800 per year for $500K building and contents insurance $300 to $800 per year for $80K contents, with joint policy both names $1,500 to $2,500 per year total covering both spouses for claims $10K to $500K and $20M public liability, as failure to add spouse may cause claim denied if spouse causes damage $10K to $50K. You need to add spouse to home insurance if spouse lives in house, as building insurance $1,200 to $1,800 per year for $500K building covers structure walls, roof, floors and permanent fixtures $500K against fire, storm, flood, theft and vandalism, plus $20M public liability if visitor injured $100K to $500K claim, and contents insurance $300 to $800 per year for $80K contents covers personal belongings $20K to $150K including furniture $10K, electronics $10K, clothing $5K and jewellery $2K to $10K. If only one spouse named on policy and other spouse causes kitchen fire $50K damage or leaves tap on causing water damage $10K, insurer may deny claim as spouse not insured though resident, as policy requires all residents over 18 named as insured or resident. For example, house $500K building plus $80K contents owned jointly by husband and wife, joint policy both names $1,800 per year covers fire $500K rebuild, storm $10K to $50K and theft $5K to $20K for both spouses, with $20M liability covering both. Adding spouse costs same $1,500 to $2,500 per year as single name, no extra premium, but essential to ensure both covered. So yes you need to add spouse to home insurance with both names on policy $1,500 to $2,500 per year for $500K building plus $80K contents, ensuring both covered for claims $10K to $500K, with joint policy same cost as single but avoiding claim denial $10K to $50K if spouse not named and causes damage.
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