房屋保险是从settlement那天开始买还是过了冷静期就要买

taotaoeve

NSW买了自住房，house，不是拍卖，就是商量好价格签合同买的。

贷款银行的banker说应该过了冷静期就要买building insurance,因为已经过了冷静期，所以就算没有settle,房子出了任何事都是买家负责。

我又咨询我的过户师，他说应该从settlement那天开始买或者提前一天买就可以，settlement之前房子出任何问题，应该卖方负责。

请问谁说的对？

luckyc

过户师不靠谱啊

s4048987

我倾向于 banker 说的

yl001

也就差1个半月时间 多花个100多刀买个安心呗

fabrica

过户师不行，马上买，出了事你逃不掉。注意，买house实际合同上就是买了块地，和房子无关

总有刁民要害朕

拍卖的话就要马上买 你这过户律师是自学的么？这是最基本的

aer22

总有刁民要害朕 发表于 2024-10-30 22:48
拍卖的话就要马上买 你这过户律师是自学的么？这是最基本的

房屋交接的时候要和拍卖那天一样的状态，差距太大根本不可能交接的，买保险有什么意义呢？

总有刁民要害朕

aer22 发表于 2024-10-31 06:46
房屋交接的时候要和拍卖那天一样的状态，差距太大根本不可能交接的，买保险有什么意义呢？ ...

如果期间房子起火被烧了 银行怎么给你贷款？

总有刁民要害朕

aer22 发表于 2024-10-31 06:46
房屋交接的时候要和拍卖那天一样的状态，差距太大根本不可能交接的，买保险有什么意义呢？ ...

You should generally arrange building insurance from the contract date (the date when the purchase contract is signed), not the settlement date (when the ownership is legally transferred). This is recommended because, from the contract date, the buyer is often responsible for the property, meaning any damages that occur between contract and settlement may be your responsibility. Some states and lenders even require coverage from the contract date.


It might seem logical for the seller to maintain responsibility until settlement, but in many cases, property law shifts risk to the buyer from the contract date. This means that if any damage occurs to the property between signing and settlement, the buyer can be liable, even though they don’t yet have full ownership.

This approach is common because, from the contract date, the buyer has a vested interest in the property, and it avoids complications over who is responsible for repairs. That’s why arranging insurance from the contract date is a recommended safeguard for buyers, protecting against unforeseen issues like fires or storms during the settlement period.

这年头过户师还不如GPT

jadebook

几百万的房子还要纠结几十块钱保费吗

辣椒麻麻

在维州的话，签完合约但是还没过户时房屋受损的风险是卖家这边承担的。但是仍然推荐买家从签约日开始买保险。因为如果房产真的受损，买家执意卖家承担，卖家可以终止合约最多退定金，买家如果真的很喜欢这个房产，那可能就错失这个机会了，不如花些小钱把这种风险规避

leoyin2014

从settlement那天开始买或者提前一天买就可以

从settlement那天或者后一天退了就行

leoyin2014

房子烧了跟你没有半点关系，不能settle, 合约自然取消，退定金，你担心什么呢

leoyin2014

辣椒麻麻 发表于 2024-10-31 08:24
在维州的话，签完合约但是还没过户时房屋受损的风险是卖家这边承担的。但是仍然推荐买家从签约日开始买保险 ...

买了保险也不见得就赔你！

比如这个房子如果一直空置，它就有理由不赔，因为没有人住超过三个月，就不赔任何东西了

如果是原房主的电器老化，烧了，也不赔你，因为你没有主动维护电器安全！

如果是屋顶漏水不修，塌了，也不赔你，属于老化磨损，不是意外

基本上你就是白花1-2个月保费而已，就是骗你

此外更可笑的是，房子依旧是原来房主的title, 你买啥保险，你有权利索赔吗？如果房子烧了，也是原房主获益，跟你有关系吗？你还没有获得房子所有权呢

leoyin2014

我建议就是天塌地陷也不要管，到了Settle日，如果不能交付拍卖时一模一样的房子，就取消合同，你什么损失都没有，

aer22

总有刁民要害朕 发表于 2024-10-31 07:59
如果期间房子起火被烧了 银行怎么给你贷款？

房子都烧了，那就不买了，卖家退定金。
如果真喜欢那块地，房子有没有无所谓，那还是买个保险。但是都没有过户，保险公司会赔吗？

5222e

总有刁民要害朕 发表于 2024-10-31 07:59
如果期间房子起火被烧了 银行怎么给你贷款？

房子被烧了还找保险公司理赔然后让银行去继续贷款完成settlement，这是捡了多大的漏？如果真的是我，哪怕我不花一分钱房子能被修成原来样子，我也不买了，感觉房子和我八字不合，就是硬住进去感觉将来也不安生

总有刁民要害朕

leoyin2014 发表于 2024-10-31 08:12
买了保险也不见得就赔你！

比如这个房子如果一直空置，它就有理由不赔，因为没有人住超过三个月，就不赔 ...

典型的不懂装懂

比如这个房子如果一直空置，它就有理由不赔，因为没有人住超过三个月，就不赔任何东西了

Can my home be insured if it’s unoccupied?

Yes, Suncorp Home and Contents Insurance will cover your home even when it’s unoccupied – your policy won’t be cancelled just because no one is home!

However, there will be an additional excess applicable, called an unoccupied excess, which will need to be paid if you make a claim for a covered event that occurred while the home is unoccupied.

如果是原房主的电器老化，烧了，也不赔你，因为你没有主动维护电器安全！

   火灾是由电器的突然故障或短路引起，且房主无法预见，通常保险会赔偿。这类情况被视为“意外事件”，而非房主的过失或疏忽

如果是屋顶漏水不修，塌了，也不赔你，属于老化磨损，不是意外

这不是废话么，你房子漏水不肯修 人家为什么要赔你。



此外更可笑的是，房子依旧是原来房主的title, 你买啥保险，你有权利索赔吗？如果房子烧了，也是原房主获益，跟你有关系吗？你还没有获得房子所有权呢

当然有权利，因为你已经签了合同，可以过户以后再要求保险公司修。


一句话 多读书

jands

我的過戶師跟貸款中介都是建議冷靜期一過就該買保險，真的發生什麼事可以省掉很多麻煩

cnipac

理论上是从合同日期之后，actual possession 和 settlement date 最先发生的日期开始买，但每个州不一样。
GIO 有个 FAQ https://www.gio.com.au/know-more ... ore-settlement.html
When should I take out a home insurance policy?
Identifying the party responsible for ensuring a property has home insurance cover once it’s sold depends on your contract and the state or territory you live in. In some states, the legislation around this issue isn’t clear, so the information provided here is based on standard contracts.

That said, what’s decided between the buyer and seller is the ultimate source of truth and any questions about this should be directed to your conveyancer or lawyer.

So, at what point in the settlement period will you need to take out a home insurance policy?

Australian Capital Territory, South Australia and Tasmania
In the ACT, SA and Tassie, the responsibility for any damage usually rests with the buyer during the settlement period. If you’re the buyer, you’ll need to have your insurance sorted before the exchange of contracts, otherwise you may have to pay for any reasonable damage sustained to the property (such as from a weather event like a storm) out of your own pocket.

Queensland
After both parties have signed the contract, the buyer becomes responsible for the property from 5pm on the next business day. They’re responsible for covering any damage to it after this time.

Victoria and New South Wales
The buyer becomes responsible for any damage to the property from the settlement date. That means, technically, the vendor is responsible up until this point. However, you may find it useful to err on the side of caution and have your insurance arranged from the time the contracts are signed.

Western Australia and the Northern Territory
In WA and the NT, the buyer assumes responsibility for the property at one of two times (whichever comes first):

on the date the buyer is entitled to or given possession, or
on the date that the full purchase price is paid.

陈微亮

VIC 妥妥settlement

aer22

cnipac 发表于 2024-10-31 11:43
理论上是从合同日期之后，actual possession 和 settlement date 最先发生的日期开始买，但每个州不一样。
...

像VIC和NSW这种，在settlement date之前买的保险，法律规定买家不承担责任，那保险公司能赔吗？

taotaoeve

我问了几个保险公司，都是你什么时候买都行，但是如果房主不是你，你买了我们也不赔。

Flyingfree

cnipac 发表于 2024-10-31 11:43
理论上是从合同日期之后，actual possession 和 settlement date 最先发生的日期开始买，但每个州不一样。
...

对了，你这个发各州情况就很好说明问题了。

在珀村，我买房的保险生效期时定在SETTLE那一天的，我旧房子要卖时，保险也是定到SETTLE那一天过后才取消的。

newaussie

每个州都不一样，新州因该是settlement date 那天是买家的责任。之前都是卖家的责任。

honester

settlement day之前，如果卖家不能提供房子原样，合同取消就得了
费劲买什么保险呢

Cindy.Adelaide

VIC和NSW好像是交割后才归买家负责。
您可以看看wbc网站上的说明

che999

aer22 发表于 2024-10-31 07:46
房屋交接的时候要和拍卖那天一样的状态，差距太大根本不可能交接的，买保险有什么意义呢？ ...

你难道还要交钱让人来认真pre settlement inspection吗，楼主这种情况，75元30天，building保险搞定，何必这么麻烦，为了100担风险