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thanks for that Minx. As you say, as long as the insurer knows it is half the house then you should be covered. Seeka

According to the fact sheet issued by the Dept of Justice, it seems in Qld that even if you manage to get individual insurance, then it may be invalid as the building/s must be insured under one policy by the Body corporate. Yes, would be interested in examples of costs that involved both...

I looked a bit further and came up with the attached sheet issued by the Department of Justice regarding duplexes. It suggests that even if the owners aren't aware of it, they must be part of a Body Corporate (except in rare cases) and so similar rules apply as to other Community Management...

On a duplex where there is no body corporate, to what extent are both parties liable for costs? Both share building insurance, but what about fences, driveways, roofing, other? Is there some regulation regarding who pays for what in Queensland? Or is it a case of "it's on your side, so you fix...