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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Home insurance
A home insurance policy covers your constructed building including fixtures and fittings, but not your moveable belongings.
Contents insurance
Contents insurance covers items inside & outside your home for loss or damage from theft and fire.
Landlord insurance
Landlord insurance provides investors financial protection from damage and costly repairs to their investment property.
Renters insurance
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’.
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CLIENT TESTIMONIALS
Adam Cursio has gone over and beyond in helping us wherever he can with insurance, finance and general business related matters. Thanks for the help over the years Adam.
When my home and business property in Mickleham were caught in a bushfire and the insurance company threatened not to pay my claim in full, Tony Cursio and his team stepped up to the plate in a big way to make sure my claim was paid. I would strongly recommend Cursio Group.
Adam helped me to negotiate a great deal on my motor policy and we look forward to building our relationship with the team at Cursio Group in the near future.
Adam Cursio has always been there for help in business related matters especially in insurance and finance. We have always been able to count on him and his family business who put a lot of passion into their work. Very trustworthy family and happy to recommend Cursio Group to anyone looking for advice.
Cursio Group have helped us to pass as much risk on to insurers as possible. This has allowed us to focus on what we do best, knowing that we are covered and looked after by an experienced team of brokers. Thanks guys!