How long house can be vacant for insurance in Australia before cover reduces or policy cancelled is generally 60 to 90 days continuously unoccupied with no one living overnight, according to standard building PDS from NRMA, Allianz, Budget Direct. Most home building insurance policies state if home unoccupied for more than 60 days, you must notify insurer, otherwise theft, water damage and vandalism cover excluded, and after 90 days policy may be void or not renewed, requiring specialist vacant insurance $1,500 to $2,500 per year for $500K building. For example, NRMA building PDS says if home unoccupied 60+ days, notify, theft and water damage not covered unless agreed, Allianz 60 days, Budget Direct 90 days, AAMI 60 days, QBE 60 days. For landlord insurance, if no tenant for 90 days, considered vacant and needs vacant cover. For holiday homes, if you visit every 30 to 60 days and have weekly inspection, mail collection and maintained garden, some insurers allow up to 90 days as unoccupied with extension and extra premium 20%, but beyond 90 days need vacant insurance from Terri Scheer. So house can be vacant for insurance up to 60 days without issue, 60 to 90 days with notification and weekly inspection, beyond 90 days needs specialist vacant insurance, otherwise standard policy may deny claim for theft and water after 60 days.
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