What can be claimed under building insurance?

What can be claimed under building insurance in Australia includes fire, storm, flood, theft, vandalism, water damage from burst pipes and accidental breakage, for $500K to $1M rebuild plus demolition and accommodation. Under building insurance $1,200 to $1,800 per year for $500K building from NRMA, Allianz, Budget Direct, you can claim fire including bushfire destroying house $500K rebuild, storm and hail damage to roof $10K to $50K, flood if flood cover included $20K to $100K, theft and vandalism damage to building $5K to $20K such as broken windows and doors, water damage from burst pipes $10K to $50K for walls and floors, accidental breakage of glass windows $1K to $5K, lightning and earthquake damage $20K to $100K, plus demolition and removal $20K, architect and council fees $10K and emergency accommodation $10K if home uninhabitable due to insured event. You can also claim $20M public liability if visitor injured on property $100K to $500K claim for fall. For example, if storm damages roof $30K, you claim $30K minus excess $500 to $1,000, insurer pays $29K. So building insurance claims cover fire, storm, flood, theft, water damage, glass breakage, demolition and accommodation, with total $500K to $1M rebuild plus extras, essential for mortgage $500K.