01 · The shortcut
Vacant Land Liability, by Pocket
You bought the land for what it could become. Until then, you're responsible for it.
If someone is hurt on your block, or your land damages a neighbour's property, you can be held responsible. Public liability cover for vacant land takes about two minutes to buy.
- Up to $20m cover
- One policy for many blocks
- Backed by leading insurers
Typical suburban block, all-in per year
$256a year
Pricing varies by land size, situation and usage - taxes and fees included.
See my exact priceWhy it matters
Empty land still carries responsibility
The day you settle, the land becomes yours to keep safe.
02 · The storm
A dead tree comes down in a storm.
03 · The fire
A grass fire spreads over the fence.
If someone says you should have prevented it, the claim lands with you, even if you never set foot on the block.
What your policy covers
| Cover | Up to |
|---|---|
| Injury to other people on or because of your land | $5m, $10m or $20m |
| Damage to other people's property, like a neighbour's fence, shed or car | Your cover limit |
| Legal costs to defend a covered claim | On top of your limit |
| First aid costs at the time of an injury | On top of your limit |
| Representation at an inquiry | $25,000 |
| Temporary protection, such as fencing or barriers | $10,000 |
| Claim preparation costs, on top of your cover limit | $5,000 |
Not covered: construction, excavation, demolition or renovation on the land, and public roads, footpaths or powerlines you don't own. Full exclusions
Covered in three steps
-
STEP 1
Tell us about your land.
Location, size and how it's used. About two minutes.
-
STEP 2
Choose your cover.
$5 million, $10 million or $20 million.
-
STEP 3
Pay and you're covered.
Your certificate of currency arrives by email straight away, and the policy renews each year.
Who it's for
Find your situation
MOST COMMON
Waiting to build
Cover from settlement until construction starts, then we'll help you switch.
Investors and land bankers
Several blocks, one policy.
Developers awaiting approval
Cover until works begin.
Rural and lifestyle blocks
Hobby farms and paddocks.
Camping, markets and agistment
Low-intensity uses of your land.
Executors and estates
Land held while an estate is settled.
After a fire or flood
Land where the home has been destroyed or demolished.
Own more than one block?
Cover every block on one policy and add new ones as you buy them. Every block renews on the same date.
A broker behind every policy
Vacant Land Liability is arranged by Pocket, an Australian insurance broker. Buy online in minutes, or call us if your land is unusual or you're planning to build. When your plans change, we'll help you move to the right cover.
Common questions
Do I need insurance if the land is just sitting there?
It isn't compulsory, but owning land can make you liable when someone is injured there or the land damages a neighbour's property, even if you're not using it.
Does my home insurance already cover my block?
Sometimes. Some contents policies cover a new block you'll build on, for a limited time. Check your policy wording.
How much does it cost?
About $256 a year all-in for $20 million cover on a typical suburban block.
Can I cover more than one block?
Yes, on one policy.
What happens when I start building?
Vacant land cover doesn't cover construction. Arrange contract works cover before work begins.