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Spanna, this line worries me. How would you rebuild or pay out your mortgage without H&C insurance if your property burnt down? Furthermore, what do you mean by "minimal H and C"? If you are referring to underinsuring your property, I think you will be surprised how much the insurer will payout...

On the slight chance you were totally responsible ie knocked old man down while rushing down stairs, then yes, a good insurance policy will cover you. Using Allianz as an example, you will notice at p34 of...

I had to do this a few months ago with an IP in my SMSF. I got a solicitor from the eastern suburbs to visit me and my wife after hours & it cost $300. Feel free to PM me if you want her details.