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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

Does home insurance cover natural disasters?

Do you live in a disaster-prone area and wonder if you have adequate home insurance against natural disasters? Whether it’s against floods or bushfire, your home insurance policy must cover you against the risk of natural disasters.

Home Insurance

23 Oct, 2023

4 min read

Does home insurance cover natural disasters?
Peter Terlato

Personal Finance Editor

Do home insurance claims follow you?

Your home insurance claims will affect the premium you pay for a new policy for a few years. If you have made no claims, you can get a no-claims discount.

Home Insurance

13 Oct, 2023

6 min read

Do home insurance claims follow you?
Mark Bristow

Personal Finance Editor

Do I need home insurance for renovations?

If a mishap occurs while you’re renovating your home, it may be covered by your home insurance policy. However, this may not apply in every situation, as renovations may be an exception to your home insurance coverage. It’s essential to understand how home insurance covers renovation projects before beginning your building works.

Home Insurance

12 Oct, 2023

5 min read

Do I need home insurance for renovations?
Vidhu Bajaj

Personal Finance Writer

A practical checklist on how to prepare for a flood

Learn about the things you can do to be well-prepared to protect your home and loved ones from potential flood damage.

Home Insurance

10 Oct, 2023

7 min read

A practical checklist on how to prepare for a flood
Mark Bristow

Personal Finance Editor

What is a home insurance premium?

Your home insurance premium is what you pay your insurance provider for covering your home under their home insurance policy. It is calculated based on the type of coverage you choose for your home as well as any additional coverage you buy for either your possessions or specific incidents.

Home Insurance

10 Oct, 2023

5 min read

What is a home insurance premium?
Mark Bristow

Personal Finance Editor

Landlord insurance vs home insurance

Home insurance can provide cover for a number of challenges you may face as a homeowner, including if your house burns down, if there’s a break-in and even the medical bills if someone gets hurt on your property.

Home Insurance

10 Oct, 2023

3 min read

Landlord insurance vs home insurance
Mark Bristow

Personal Finance Editor

How is seniors’ home insurance different from other policies?

Age shouldn’t be a factor preventing you from living the life you want, and many seniors enjoy a comfortable life well beyond their 70s and 80s.

Home Insurance

05 Oct, 2023

3 min read

How is seniors’ home insurance different from other policies?
Mark Bristow

Personal Finance Editor

Do you need a home insurance broker?

Home insurance brokers weigh up different insurance options to help find the best policy for your needs. While brokers are not for everyone, some people find them helpful when navigating through the insurance market. 

Home Insurance

05 Oct, 2023

3 min read

Do you need a home insurance broker?
Vidhu Bajaj

Personal Finance Writer

Does home insurance provide coverage for malicious damage?

Learn about home insurance coverage for malicious damage, including what it covers, exceptions, and claims process.

Home Insurance

04 Oct, 2023

8 min read

Does home insurance provide coverage for malicious damage?
Vidhu Bajaj

Personal Finance Writer

Does your home insurance have you covered against theft or burglary?

Most home insurance policies cover burglary or theft, but the coverage may vary depending on the type of insurance you have.

Home Insurance

03 Oct, 2023

7 min read

Does your home insurance have you covered against theft or burglary?
Vidhu Bajaj

Personal Finance Writer

Does home insurance cover gutter repair?

Learn about home insurance coverage for gutter-related damage and why regular gutter maintenance is crucial.

Home Insurance

25 Sep, 2023

4 min read

Does home insurance cover gutter repair?
Mark Bristow

Personal Finance Editor

What does home insurance cover?

Usually, home insurance will cover any damage caused by unpredictable incidents, whether natural or as a result of humans. Depending on the insurer, having home insurance can also mean you have access to temporary accommodation while repairing or renovating your property after making a claim.

Home Insurance

25 Sep, 2023

8 min read

What does home insurance cover?