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Home Insurance articles & news

Need to know all about home insurance? Let RateCity help fill in the gaps of your knowledge with our home insurance team.

Alex Ritchie

Personal Finance Editor

Home insurance cancellation and refunds: what you need to know

You can typically cancel your home insurance policy at any time without having to wait for your renewal notice. You will not need to explain why or provide evidence; it should just be part of your policy to cancel when needed. However, some insurers may charge a small home insurance cancellation fee. 

Home Insurance

05 Jun, 2024

4 min read

Home insurance cancellation and refunds: what you need to know
Peter Terlato

Personal Finance Editor

How will home insurance cover water damage?

A home insurance policy will often cover water damage if the damage was sudden or accidental, such as if a pipe bursts or your home floods. But gradual water damage over time may be blamed on a lack of proper maintenance, which means your home insurance policy may not cover you.

Home Insurance

05 Jun, 2024

4 min read

How will home insurance cover water damage?
Mark Bristow

Personal Finance Editor

How to reduce your home insurance premium

There are several options available to help lower your home insurance premiums, from bundling offers to finding ways to reduce the insurer’s risk.

Home Insurance

20 May, 2024

4 min read

How to reduce your home insurance premium
Alex Ritchie

Personal Finance Editor

Does home insurance cover tree root damage?

Home insurance policies do not often specifically cover you for tree root damage. Instead, if your home is insured, your policy may include coverage for tree damage contingent on it being caused by a storm, or other event covered by insurance - even if the tree is not on your property.

Home Insurance

16 May, 2024

5 min read

Does home insurance cover tree root damage?
Alex Ritchie

Personal Finance Editor

Do you need flood insurance?

If you have home and contents insurance, your policy may include flood insurance as standard. But flood insurance coverage is not mandatory. After the 2011 Queensland floods, the federal government pushed for flood insurance to become compulsory for insurance policies to cover, but this was not approved.

Home Insurance

16 May, 2024

3 min read

Do you need flood insurance?
Vidhu Bajaj

Personal Finance Writer

Are swimming pools covered under home insurance?

While a standard home insurance policy typically covers accidental damage to your property caused by events like storms, fires, or theft, it's essential to understand the extent of this coverage when it comes to your swimming pool.

Home Insurance

15 May, 2024

4 min read

Are swimming pools covered under home insurance?
Alex Ritchie

Personal Finance Editor

Insurance claims worst case: what to do when your claim is rejected or taking too long

If your home insurance claim has been delayed or denied, you can ask for support from the insurer, or lodge a complaint. As a last resort, you could consider taking your dispute to a tribunal, or even to court.

Home Insurance

15 May, 2024

6 min read

Insurance claims worst case: what to do when your claim is rejected or taking too long
Peter Terlato

Personal Finance Editor

Does home insurance cover roof leaks?

While many home insurance providers cover damage to the roof of your house, not all leaks are covered. Whether your claim will be accepted or denied often depends on the cause of the damage.

Home Insurance

14 May, 2024

4 min read

Does home insurance cover roof leaks?
Peter Terlato

Personal Finance Editor

Can you withdraw a home insurance claim?

You can often withdraw a home insurance claim without charges or hassles, though there may be exceptions, such as if the claim has already progressed too far.

Home Insurance

14 May, 2024

3 min read

Can you withdraw a home insurance claim?
Mark Bristow

Personal Finance Editor

Are kitchen appliances covered by contents insurance?

Many kitchen appliances count as part of your home’s contents for insurance purposes. However, some insurers could consider certain built-in appliances to be part of your building, meaning they may only be covered under a building insurance policy.

Home Insurance

14 May, 2024

3 min read

Are kitchen appliances covered by contents insurance?
Mark Bristow

Personal Finance Editor

Does home insurance cover foundation damage?

Home insurance may help you to avoid paying the substantial cost of foundation repair, but your policy may only cover foundation damage in some cases, such as when the damage is caused by specific events.

Home Insurance

13 May, 2024

4 min read

Does home insurance cover foundation damage?
Mark Bristow

Personal Finance Editor

Is insurance a requirement of having a mortgage?

While home insurance isn’t compulsory in Australia, most mortgage lenders require borrowers to have a home insurance policy in place over a property before they’ll approve a home loan application.

Home Insurance

13 May, 2024

4 min read

Is insurance a requirement of having a mortgage?

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