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Need to know all about home insurance? Let RateCity help fill in the gaps of your knowledge with our home insurance team.
Mark Bristow
Personal Finance Editor
Do I need home insurance for renovations?
Having home insurance isn’t always essential if you’re planning a renovation, though it can be nice to have. If a mishap occurs while you’re renovating your home, it may already be covered by your regular home insurance policy. However, this may not apply in every situation, as renovations may be an exception to your home insurance coverage, especially for larger renovation projects.
Home Insurance
26 Jun, 2024
6 min read
Mark Bristow
Personal Finance Editor
Do I need to get homeowners insurance liability coverage?
If someone is injured or falls sick while on your property, you may be legally liable and required to pay a considerable sum of money in personal damages. You can’t prevent an accident, but you may be able to avoid some significant costs by being insured for legal liability.
Home Insurance
26 Jun, 2024
4 min read
Mark Bristow
Personal Finance Editor
Will my home insurance policy cover lost jewellery?
The average home and contents insurance policy in Australia may only cover lost jewellery in some circumstances, and even then, only up to a certain value. If your jewellery is not lost in an insured event listed in your insurance policy, your insurer may not approve your claim. Consider checking the details of your insurance policy to know which incidents are covered.
Home Insurance
26 Jun, 2024
4 min read
Peter Terlato
Personal Finance Editor
What are the most common reasons your home insurance claim will be denied?
A home insurer may choose to deny a claim for a wide range of reasons, from underinsurance and policy exclusions to undisclosed information or failure to maintain the property. Learning more about what could see a claim denied can help you make sensible decisions when considering filing a claim, and ensure that you're adequately covered.
Home Insurance
26 Jun, 2024
7 min read
Mark Bristow
Personal Finance Editor
Landlord insurance vs home insurance
Home insurance can cover several risks you may face as a homeowner, such as rebuilding your house if it burns down, replacing the possessions stolen in a break-in, or paying medical bills if someone is hurt on your property.
Home Insurance
26 Jun, 2024
4 min read
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
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
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
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
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
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
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
Trending articles
Mark Bristow
Personal Finance Editor
26 Jun, 2024
Do I need home insurance for renovations?
Mark Bristow
Personal Finance Editor
26 Jun, 2024
Do I need to get homeowners insurance liability coverage?
Mark Bristow
Personal Finance Editor
26 Jun, 2024
Will my home insurance policy cover lost jewellery?
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