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.

Vidhu Bajaj

Personal Finance Writer

How to find the top home and contents insurance policy

Comparing home and contents insurance quotes can tell you how different policies vary and which policy has the most suitable inclusions, exclusions and limits.

Home Insurance

03 Nov, 2023

7 min read

How to find the top home and contents insurance policy

Vidhu Bajaj

Personal Finance Writer

What are the factors that affect home insurance premiums?

Understand how different factors such as property age, market condition, and previous claims can influence your home insurance premium.

Home Insurance

30 Oct, 2023

7 min read

What are the factors that affect home insurance premiums?

Mark Bristow

Personal Finance Editor

Does home insurance cover animal damage?

Does your home insurance cover animal damage to your owner-occupied house or its contents? Or perhaps you are a landlord wishing to rent out your home to a pet owner, or you’re a pet owner looking to lease a house - what should both parties keep in mind before entering into an agreement?

Home Insurance

30 Oct, 2023

5 min read

Does home insurance cover animal damage?

Peter Terlato

Personal Finance Editor

What can void home insurance? And what you can do to safeguard your cover

If disaster strikes and your property is damaged or destroyed home insurance can provide financial relief to help cover some or all of the costs. However, policies can be rescinded if conditions are violated.

Home Insurance

27 Oct, 2023

7 min read

What can void home insurance? And what you can do to safeguard your cover

Mark Bristow

Personal Finance Editor

Home insurance for older properties | RateCity

Home insurance is an important part of owning your own home because it offers cover for any damage to the property that might occur. When it comes to older properties, you can face various challenges with both maintenance and repairs. Many of the materials used to build older homes are simply no longer available, and these repair jobs might also require specialised tradespeople, architects, and other experts.

Home Insurance

27 Oct, 2023

3 min read

Home insurance for older properties | RateCity

Mark Bristow

Personal Finance Editor

Do you need home renters’ insurance?

If you live in a rental property, you shouldn’t need to worry about home insurance, as that responsibility falls on your landlord. But you may want to consider protecting the possessions you keep inside your home.

Home Insurance

27 Oct, 2023

4 min read

Mark Bristow

Personal Finance Editor

What is home and contents insurance?

A home insurance policy covers you if the building that you live in is damaged or destroyed by an insured event, such as a fire, a storm, or a break-in. Similarly, a contents insurance policy covers you if the belongings you keep in your home are lost, damaged or destroyed in an insured event.

Home Insurance

26 Oct, 2023

6 min read

Alex Ritchie

Personal Finance Editor

Do you live in an apartment? Here's what's covered under strata insurance

Homeowners and would-be buyers should familiarise themselves with what exactly is covered under strata insurance to mitigate the risk of gaps in your personal insurance coverage.

Home Insurance

25 Oct, 2023

3 min read

Do you live in an apartment? Here's what's covered under strata insurance

Mark Bristow

Personal Finance Editor

Do you need bushfire insurance in addition to regular home insurance?

In many cases if you already have home insurance, you’re already covered for fire damage to your property, so you may not need separate bushfire insurance. But if you live in an area with a higher-than-average bushfire risk, that could push up the cost of your insurance premiums.

Home Insurance

24 Oct, 2023

3 min read

Do you need bushfire insurance in addition to regular home insurance?

Alex Ritchie

Personal Finance Editor

What disasters can home insurance cover?

When you live in Australia, considering how a natural disaster may impact your home is an unavoidable reality. This is where home insurance can be a lifeline for disaster-affected households.

Home Insurance

24 Oct, 2023

6 min read

What disasters can home insurance cover?

Alex Ritchie

Personal Finance Editor

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

Making an insurance claim is not something done lightly, so what can Australians who have recently lodged an insurance claim do if they're waiting too long to hear from the insurer, or the claim is rejected?

Home Insurance

24 Oct, 2023

5 min read

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

Alex Ritchie

Personal Finance Editor

Do you need flood insurance?

Whether you’re considering purchasing property, or simply reviewing your existing coverage, you may be asking yourself: do I really need flood insurance?

Home Insurance

24 Oct, 2023

4 min read