HOME & CONTENTS INSURANCE MELBOURNE
The roof over your head is as important as any asset you own. Protect it properly with experts on your side.
Home & Contents Insurance protects homeowners, landlords, and tenants against property damage, loss or destruction. Policies can cover events including fire, theft, and some natural disasters like flood.
When choosing the cover amount for your home or investment you should work out the replacement cost to rebuild your home should an accident or disaster occur. A contents policy safeguards you against the loss of, or damage to, your belongings and personal effects inside the home and even while taken out of your home in some circumstances.
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A home insurance policy covers your constructed building including fixtures and fittings, but not your moveable belongings.
Contents insurance covers items inside & outside your home for loss or damage from theft and fire.
Landlord insurance provides investors financial protection from damage and costly repairs to their investment property.
Another name for contents insurance. It covers your belongings while you are a tenant.
The truth about online insurance websites and direct sales
When you buy insurance directly from an insurer online, or from a comparison site which sells but doesn’t service you in the event of a claim, you are effectively flying solo. This means that if a potential claim arises you need to argue your case to be paid without professional help on your side. It’s a bit like fronting up to a court hearing without your lawyer. The chance of winning would be quite low.
If you are wondering why sometimes you can find really cheap insurance policies online, you should firstly read the fine print and secondly understand the probability of a claim being paid. They say about 40% less claims get paid in the direct market vs the broker market because brokers ‘know what they are doing’.