Can I insure a unit in a block?

Our house insurance isn’t set up to cover units that have another unit above or below yours. It can get very complicated if you make a claim for damage that involves multiple other unit owners and insurance companies.

We can only offer insurance for a unit that –

1. Does not share walls with more than two (separately owned) neighbouring units on any side.  So if your property is one in a row of townhouses with no neighbouring units connecting behind or above yours, then we can provide cover.
2. Has no other (separately owned) neighbouring unit above or below your unit.
3. Does not share other building structure(s) with other units, eg common hallway.
4. Is not part of or belongs to a Body Corporate.

 

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Part of a Body Corporate?

We can’t provide cover on any unit or dwelling that’s owned under a Body Corporate, as it’s the Body Corporate’s responsibility to insure the building, not the individual unit owners.