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What is home insurance excess?
Home insurance excess is the amount you pay out-of-pocket whenever you make a claim. It applies whether you have home (building) insurance, contents insurance or a combined policy that covers both.
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Home insurance excess is the amount you pay out-of-pocket whenever you make a claim. It applies whether you have home (building) insurance, contents insurance or a combined policy that covers both.
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A product disclosure statement (PDS) is one of the most important documents you’ll come across when considering home insurance. It’s your single source of truth - everything you need to know about your policy is packed into this document.
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Exploring cheap home insurance in Australia? This guide cuts through the complexity, helping you find a policy that’s both affordable and reliable. Whether you're trimming expenses or seeking essential coverage, we provide the key insights to help you compare home insurance policies effectively so you can get the best deal possible.
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Your child kicks a soccer ball inside, and—smash—it’s through the living room window. Accidental damage insurance covers these everyday mishaps, unlike standard home and contents insurance, which focuses on events like theft or natural disasters.
Natural disasters like bushfires, floods, cyclones, and hailstorms are a fact of life in Australia, with risks only intensifying as our climate changes. The tricky part? No two home insurance policies define or cover these events quite the same way, and the differences can be more unexpected than you’d think.
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If you own a holiday home, your insurance options fall into two categories: one for renting the property out, and another for personal use only.
Starting life in a new rental often means unpacking boxes, finding the nearest coffee shop, and making the space your own. Insurance might not top your to-do list, but it probably should.
Home is where the heart is, and ensuring it's protected with the right home insurance is key to peace of mind. When faced with unexpected events like fire, theft or vandalism, knowing how to navigate the claims process is crucial.
Imagine a fire breaks out and destroys one of your home’s upstairs bedrooms. The quote to fix it is $50,000 but your insurance says ‘sorry, you’re underinsured. we can only give you $25,000’.
Understanding how home insurance premiums are calculated isn't just about peeking behind the curtain. It's about taking an active role in the process and equipping yourself with the knowledge to make smart decisions about your cover.
Mould is one of the many grey (in some cases green or black) areas of home insurance that, if not taken care of early, can cause irreversible damage to walls and linger beneath your carpet.
For the last three years, Australia has weathered one natural disaster after another. From the devastating Black Summer bushfires to three years of record-breaking floods, home insurance premiums have skyrocketed to compensate for the surge in claims, as highlighted in the 2022 Mozo insurance report.
Whether you’ve built it from scratch or picked it up at an auction, our home is the most expensive thing we own. So the last thing you want is to find out you’ve forgotten to add or misjudged something on your home and contents insurance policy, like underinsurance.
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Australians are dealing with another major weather event as insurers respond to damage from Tropical Cyclone Alfred. The Insurance Council of Australia (ICA) has declared it an Insurance Catastrophe, with more than 44,000 claims already lodged across Queensland and New South Wales.
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The Insurance Council of Australia (ICA) is calling for a major investment in flood defences to protect homes and businesses from rising risk, proposing a $30.15 billion Flood Defence Fund (FDF) over 10 years, shared between the Federal and state governments.
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Got an investment property? Congratulations! From tax breaks to rental income to giving people a great place to live, becoming a landlord certainly has its membership perks.
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The wildfires in Los Angeles have sounded the alarm on the idea that climate change has escalated - that its impacts are possibly worse than we thought.
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