I own/live in a house. It is 2 story.
Downstairs - 3 bedrooms, 1 bathroom, living, lounge, kitchen, deck and own entry. This is self managed on a lease agreement.
Upstairs - 1 bedroom, 1 bathroom, living, lounge, kitchen and deck. I live upstairs with my husband. Own entrance through our own double lock up garage.
The thing seperating us is where a door used to be it has been since boarded up so you can not get through either way.
My concern is building and contents insurance.
Currently I have all my insurances through ANZ/QBE including this. I have building and contents for the entire house and contents to cover my contents plus fixtures for downstairs - approx $80-$100k.
I have been told by ANZ the do not cover this scenario and have called a few other companies that also state they dont cover dual occupancy unless on 2 titles which it is not.
I have made claims in the past for leaking roof, lost contents with no issues but am more concerned if house burns down/broken into.
Any idea where I can find out what companies cover this scenario.
All my other IPS have Landlords insurance but for this case I am not conerned wether I have this covered or not. Main concern is H&C.
Downstairs - 3 bedrooms, 1 bathroom, living, lounge, kitchen, deck and own entry. This is self managed on a lease agreement.
Upstairs - 1 bedroom, 1 bathroom, living, lounge, kitchen and deck. I live upstairs with my husband. Own entrance through our own double lock up garage.
The thing seperating us is where a door used to be it has been since boarded up so you can not get through either way.
My concern is building and contents insurance.
Currently I have all my insurances through ANZ/QBE including this. I have building and contents for the entire house and contents to cover my contents plus fixtures for downstairs - approx $80-$100k.
I have been told by ANZ the do not cover this scenario and have called a few other companies that also state they dont cover dual occupancy unless on 2 titles which it is not.
I have made claims in the past for leaking roof, lost contents with no issues but am more concerned if house burns down/broken into.
Any idea where I can find out what companies cover this scenario.
All my other IPS have Landlords insurance but for this case I am not conerned wether I have this covered or not. Main concern is H&C.