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Yes if it's a house. I was talking about units, villas and townhouses. The strata building insurance only covers the common areas for public liability. If someone injures themselves inside your IP you are not covered. I've brought this up several times here when peope say they self insure but...

I've never been asked for proof of insurance for a villa, townhouse or unit. This is not the thing that worries me. The thing that stops me from cancelling my LL insurance on units and villas is public liability. You only need one person to injure themselves in your property and you risk...