Who does unoccupied home insurance?

Who does unoccupied home insurance in Australia includes specialist providers like Terri Scheer, AAMI, QBE, Allianz, NRMA, Budget Direct and Elders offering vacant or unoccupied building cover for homes empty 60 to 90+ days. Unoccupied home insurance, also called vacant home insurance, is for houses empty due to renovation, deceased estate, holiday home or between tenants, covering fire, storm, flood but often excluding theft and water damage unless weekly inspection. Providers include Terri Scheer, largest landlord insurer, offering unoccupied building $1,500 to $2,500 per year for $500K sum insured with weekly inspection required, covering fire and storm. AAMI offers unoccupied extension for up to 90 days with notification and extra premium 20%, QBE vacant building $1,800 to $2,800, Allianz unoccupied $1,500 to $2,200 with conditions, NRMA $1,600 to $2,400, Budget Direct $1,200 to $1,800 but limited to 60 days, Elders for rural vacant homes $1,500 to $2,500. Specialist brokers like Fast Cover and Public Liability Australia also offer. For example, Terri Scheer unoccupied $1,800 per year for $500K building with weekly inspection log, mail collection and maintained garden, excess $1,000. So unoccupied home insurance done by Terri Scheer, AAMI, QBE, Allianz, NRMA, Budget Direct and Elders, costing $1,500 to $2,500 per year for $500K building, with weekly inspection and security requirements, essential if empty over 60 to 90 days.