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House Insurance

Your most expensive investment is to most of us, the family home.

Often at claim time people find out how inadequate the house insurance can be if it has not been regularly reviewed.

When seeking insurance beware of the traps

Ensure the house is covered for replacement cost - with the rising cost of building many people are finding that the replacement cost of a home may exceed the market value of the property.

Don't forget to allow for architect fees and removal of debris costs after a disaster. Typical costs for removal of debris from an average burnt out home can reach $25,000.

Contents new for old?

If you cover contents new for old, your contents insurance must reflect fair replacement price.

Accidental damage Vs Defined events

Accidental damage means if a genuine accident occurs - such as your three year old sprayed the carpets with bleach - then it's an accident and a claim will be honoured.

Defined events policies are those where a specific event must occur. E.g. Lightning strike - some policies even define that the strike must occur at your premises.

We have a range of domestic polices covering everything from mansions to sheds. Our team will help tailor a policy for you that is affordable and effective in its protection of your assets.

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WARNING - Underinsurance and Duty of Disclosure	The Value of Insurance should be replacement cost of house or contents Insurers can void a policy if your statements are not the truth Please forward me more information as I am unclear on these concepts