Insurance advice for accessing a property 1 month earlier to settlement

Hi all,

Just wondering if anyone has accessed a purchased property prior to settlement. I have just purchased a townhouse and would like to access the property 1 month earlier than settlement. The main concern is that my conveyancer has advised to take out insurance. I have called various insurance companies to no avail. Just voicing some concerns if anyone is familiar with the situation and can offer some advice on the following?

If there was an unforeseen event/accident, is this covered by the owners corp building insurance and public liability?
Can I pay for the owners corp fees and be covered?
Any recommendations on an insurance provider?

Any ideas would be great :):)

Cheers CIS