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

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

Alex Ritchie

Personal Finance Editor

What is new for old contents insurance?

Content insurance covers the household items and personal belongings in your home in case they are lost, damaged, or stolen. If you own your house, it’s possible to couple your home or building insurance with your contents policy, which is often cheaper than taking out two separate policies.

Home Insurance

21 Sep, 2023

4 min read

Alex Ritchie

Personal Finance Editor

What is underinsurance and how can you avoid it?

If you are an Australian homeowner, you want to know that your home insurance policy has adequate coverage in the event the worst does happen. However, many Australians may actually be at risk of being underinsured.

Home Insurance

21 Sep, 2023

5 min read

What is underinsurance and how can you avoid it?

Alex Ritchie

Personal Finance Editor

Do I need to buy home insurance before closing on a property?

Having adequate home insurance can help manage risks from unforeseen events. But if you’ve not yet closed on a property, you may be wondering if, and when, you’re meant to purchase home insurance.

Home Insurance

18 Sep, 2023

4 min read

Do I need to buy home insurance before closing on a property?

Mark Bristow

Personal Finance Editor

How to reduce your home insurance premium

If your policy’s premium is on the expensive side, it can eat into the household budget. But if you choose the cheapest home insurance policy, you may miss out on some crucial features.

Home Insurance

18 Sep, 2023

3 min read

How to reduce your home insurance premium

Mark Bristow

Personal Finance Editor

Five benefits of home insurance that not all policies offer

You may find that more is covered by your home and contents insurance policy than just the renovation, rebuilding, or replacement of your home after an insured event.

Home Insurance

18 Sep, 2023

4 min read

Five benefits of home insurance that not all policies offer

Mark Bristow

Personal Finance Editor

What is fusion damage insurance and why would I need it?

Not all home insurance policies are created equally, and there are different levels of cover when it comes to your contents insurance. Fusion cover protects against damage caused by electrical currents or wiring, and is often something you must opt into at additional cost.

Home Insurance

18 Sep, 2023

3 min read

What is fusion damage insurance and why would I need it?

Mark Bristow

Personal Finance Editor

Do I need to get homeowners insurance liability coverage?

Whether it’s a friend, a colleague or even a tradesperson, if someone gets injured or falls sick while on your property, you may be legally liable. As such, you could end up paying a considerable sum of money in personal damages. You cannot prevent an accident, but you can prevent yourself from incurring considerable costs in the event of an accident by being insured for legal liability.

Home Insurance

18 Sep, 2023

4 min read

Do I need to get homeowners insurance liability coverage?

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 Sep, 2023

4 min read

Are swimming pools covered under home insurance?

Mark Bristow

Personal Finance Editor

Why is it important to have landlord home insurance?

After purchasing your property, you’ve decided to rent it out and use it as an investment. But what happens if your tenant stops paying rent, or damages your property? Is there any way to protect your investment?

Home Insurance

14 Sep, 2023

4 min read

Why is it important to have landlord home insurance?

Alex Ritchie

Personal Finance Editor

Home insurance cancellation and refunds: what you need to know

A home insurance policy gives you the peace of mind, but there are certain situations when you may want to cancel your existing policy. You typically may be able to cancel your home insurance policy at any time without having to wait for your renewal notice.

Home Insurance

13 Sep, 2023

4 min read