我买了一个，每个月80多元吧。觉得这个东西就是保个心安。昨天和一朋友聊了会，无意中听他说他没有买。他的理由有那么几项吧，反正他觉得是很对。我就想，这买房后不买保险的人多吗？或者说这房屋保险的用处大吗？
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昨天和一朋友聊了会，无意中听他说他没有女朋友。他的理由有那么几项吧，反正他觉得是很对。我就想，这长大后不找女朋友的人多吗？
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谁也说不准个万一呢。保险的用处就是应对那万一的概率。
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澳洲法律奇葩如果在过户之前出问题有可能把损失摊到买家身上，所以买是最保险的。过户师和律师都是一致口径说应该签了协议就马上买。
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不怕一万就怕万一，保险一定是要买的。
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lz,打个比方，如果你觉得房子倒了所造成的经济损失能承受的话就可以不买，虽然几率很小很小， 其实保险就是把这可能的损失降到自己能承受范围而已
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保险要买. 相当于花钱买时间.
别听你朋友瞎BB
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有些settle后就取消掉保险的 挺正常， 主要还是房子价值低 土地贵
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放把火烧掉你半片屋顶你就后悔得咬牙切齿了。
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有规定？俺还没买，下个月settle，今天去银行签贷款协议专门问了，说不要求。俺是想买，能推荐哪里买吗？
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Building insurance 还是建议买，coles之类的保险公司也就500多刀一年。财务可以不买如果家里没有啥值钱东西的话
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AAMI RACV NRMA 还有各大银行都有, 先找一家先保上心静了再慢慢挑，21天内可以改变主意。
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其实这个还真的满必要的。。。。我还真没听说过哪个老外没买的，而且其实cliam的机会是蛮高的。
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我是一定會買的...而且費用又不高
上個月我住的th 漏水
好在買了保險
只是付了excess $300
免費幫我整個地板換了
破了的tiles 給我換了
天花, 牆壁全部重油
如果是自己花錢搞...最少要幾千塊吧
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赶紧去买。
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How does that work? Before settlement, the house still belongs to the vendor. It's not until settlement that the title is transferred to the purchaser.
It also doesn't make sense to be buying insurance for an asset that you don't yet own. Not sure how the insurance company would view it as well? The policy holder and the asset owner are two different people?!
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很多时候看问题不能想当然，调查研究后才会发现问题。我开头就说了这个很奇葩，不符合常人的逻辑。你可以去找中介，过户师和律师了解一下有没有前例。
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I've been involved in quite a few property transactions (5 so far) and to date, no conveyancer or lawyer has advised me to purchase building insurance prior to settlement. A loan broker mentioned this but quickly retracted it and corrected it to say there must be insurance from the date of settlement.
House/building (not contents) insurance is different to car insurance where persons other than the policy holder can benefit/make a claim. Where the asset owner is not the same person as the policy holder, why would insurance pay out?
The only situation I can think of is where it's a lease arrangement but that has nothing to do with settlement. Otherwise, the only other scenarios involves the purchaser taking possession of the house prior to settlement (some off-the plan purchasers are super eager to move in), so the asset owner is still the vendor, but because purchaser is living in the house, they should be liable for any damages done, i.e. they buy the policy.
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你买贵了，其实单单房屋保险才４０刀左右。
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5 transactions still leave you inexperienced in this subject matter and that is the reality you'll have to deal with. If you had done any serious research rather than merely talking from your limited experience, you would have learnt this is a grey area and the buyers' interests are not 100% covered if something bad were to happen. Please at least take the hint from the Vic Government: https://cms-auth-m.consumer.vic. ... property-settlement
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What makes you such an expert then? I was only speaking from personal experience, which is what people usually turn to in the first instance.
Can you provide some common law precedents where the buyer was found to be liable, provided they didn't contribute to/cause the damage to the property before settlement? And what were the circumstances, i.e. facts of the case? Happy to be proven wrong if you can demonstrate this.
I've visited the website in your link and am surprised to see that's the advice Consumer Affairs Victoria gives out. But if you read it carefully:
"Even though the seller’s insurance may cover the property up to the date of settlement, your lender will recommend you take out building insurance effective from the date the seller signs the contract. This is to safeguard their interest in the property, as well as your own."
It clearly says that it's your lender, i.e. the bank who wants you to take out building insurance, as they stand to lose more (at least financially) than you.
The crux of the matter really turns on two points:
1. why is the purchaser responsible for purchasing insurance for something they do not yet own ? (provided they do not take possession of the property prior to settlement) Just because you paid 10% deposit doesn't mean you have 10% equity in the property.
2. Would an insurer pay out a claim if the policy holder is different to the asset owner and did not cause or contribute to the damage.
Finally, let's say a house gets struck by lightning a week before settlement and half of it is burnt down (so obviously neither the vendor or the purchaser is at fault), wouldn't the purchaser be able to rescind on the transaction on the basis that the property is not in the same condition as the date that the contract of sale was signed.
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Ok, a few more points to add after doing some research.
1. Insurance
While it’s the vendor’s responsibility to hand over the property on settlement in the same condition as at the time of exchange, if there’s no insurance policy in place, the question of where the money comes from may be an issue.
With a house, you have an insurable interest from the moment that you exchange contracts. (from http://www.yourmortgage.com.au/a ... gal-maze-79401.aspx)
So this should mean where vendor does not have/cancelled their policy, as purchaser, you could in theory make a claim.
BUT
2. Insurance is just that, not an immediately available replacement house.
Even being fully insured doesn't guarantee the home will ever be rebuilt. Nor does it guarantee that the insured party will be fully recompensed for their losses. Especially ownership/equitable interest is being disputed.
3. Option to rescind
SALE OF LAND ACT 1962 - SECT 34
Power of purchaser to rescind contract where house destroyed
S. 34(1) amended by Nos 35/1996 s. 453(Sch. 1 item 73.11), 75/2006 s. 192(Sch. 2 item 5.9) (as amended by No. 17/2007 s. 32(3)).
(1) Where a contract for the sale of land upon which there is a dwelling-house has been entered into, and where the dwelling-house is so destroyed or damaged as to be unfit for occupation as a dwelling-house, before the purchaser becomes entitled to possession or to the receipt of rents and profits he may, at his option, rescind the contract by notice in writing given to the vendor or his legal practitioner or conveyancer within fourteen days after the purchaser becomes aware of the destruction of or damage to the dwelling-house.
(2) Upon rescission of a contract for the sale of land pursuant to this section—
(a) any moneys paid by the purchaser shall be refunded to him;
(b) any documents of title or transfer shall be returned to the vendor; and
(c) the provisions of section 35 shall not apply and the vendor and any other person entitled to benefit from any insurance policy shall be entitled to do so to the same extent as they would have been if the land had not been subject to the contract.
(3) Any provision in any contract for the sale of land or other document whereby any provision of this section is excluded, modified or rescinded shall be void and of no effect.
In summary, if you have reason to suspect that vendor does not have building insurance or cancelled it before settlement, buy your own insurance policy.
If you take possession of the property before settlement, buy your own insurance policy.
On the other hand, if you've bought an apartment/unit/townhouse and has combined building & strata insurance (proved by certificate of currency), you don't need to purchase your own.
Or where you are not worried about any natural disasters or incidents or the vendor does have a policy in place, or if you only bought the property for the land, then don't both with building insurance.
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拍卖后第二天就买了，因为网上看到几个比较惨的例子，比如settle之前一周厨房烧没了之类的。。。
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有物业的就不用买了，含在物业费里了，财产保险没买，家里一穷二白，没值钱的。
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Sadly the world isn't a perfect place and all laws are subject to interpretation. Often, we get carried away by our sound analytical skills but forget about the basics. Let me conclude this discussion by simply asking: would you rather go to court to fight it out or pay a few hundred dollars to avoid the hassle so you can work on other aspects in life which are more productive in nature? And know this, there is a fine line between intelligence and wisdom. I'm sorry to say this but you're clearly lacking the latter.
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签协议之后，房子的损害就算买家的了？那final inspection还有啥用
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应该更正为买家贷款没有批下来之前，买家不用买保险。
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有专门这种保险，是保到settlement的我中介推荐给我，个人觉得有用，问了律师，是有的。在ray white买房是送30天的免费保险，应该是同一险种，就是专门在settlement之前发生任何事！
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我一直以为settle 后才需要买保险的。原来要这么早买吗？
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