What insurance you need for unoccupied house in Australia is specialist vacant or unoccupied building insurance $1,500 to $2,500 per year for $500K sum insured, plus public liability $20M, as standard building insurance $1,200 to $1,800 reduces cover after 60 to 90 days empty. If house empty with no one living overnight for 60+ days due to renovation, deceased estate, holiday home or between tenants, it is considered unoccupied, with higher risk of undetected water leak, vandalism, theft and fire, so you need unoccupied building insurance covering fire, storm, flood but often excluding theft and water damage unless weekly inspection, from providers like Terri Scheer $1,800 per year for $500K, AAMI $1,500 to $2,200, QBE $1,800 to $2,800, Allianz $1,500 to $2,200, NRMA $1,600 to $2,400. You also need public liability $20M included in building policy, covering injury to others if someone injured on property, with claims $100K to $500K. If house has contents $20K to $50K left, you need contents cover for unoccupied $300 to $600 per year, though many vacant policies exclude contents theft. Requirements include weekly inspection by you or agent with log, mail collection, lawn mowing and alarm on. So for unoccupied house you need specialist vacant building insurance $1,500 to $2,500 per year with $20M liability and weekly inspection, as standard policy may deny theft and water after 60 days.
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