Tell us about your home. A verified insurance professional who covers your postcode will get in touch to explain building and contents cover, how much to insure for and what to compare, before you commit.
A verified professional will get in touch.
Each type has its own limits and exclusions. Ask what is and isn't included.
The structure of the home and permanent fixtures such as the roof, walls, floors and fitted kitchen.
Your belongings inside the home, from furniture and electronics to clothing.
One policy covering both, often cheaper than two separate ones.
An optional extra for damage you cause by accident, to the building or your contents.
Cover for items you take out with you, with limits.
Whether and how storm, flood, bushfire and cyclone damage is covered.
What it would cost to rebuild, which sets the sum insured for the building.
Your postcode, and the local risk of flood, fire, storm or crime.
Its age, size, construction and whether it is heritage listed.
The locks, alarms and window fittings that the insurer requires.
Their total value, and any single high-value items.
The excess you accept, and extras such as accidental damage.
Ask for the firm's Australian Financial Services Licence number and check it on the ASIC register.
And what happens if the amount turns out to be too low.
Including flood, storm, bushfire and accidental damage.
Single-item limits, and security requirements.
The basic excess, and any separate excess for flood or natural disaster.
The cooling-off period, and any fees after it.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Insuring for too little can leave you short when you claim. You hear how the amount is worked out, and why it isn't the market value.
Storm, flood, bushfire and accidental damage are often treated differently. You hear what to ask about for your home and your area.
You get the options explained. Whether to buy, and from whom, is always your decision.
Home, or building, insurance covers the structure of your home, such as walls, roof, floors and permanent fixtures. Contents insurance covers what you own inside it, such as furniture, electronics and clothes. Many people buy both together. If you rent, you usually only need contents cover.
If you have a home loan, your lender will normally require building insurance. If you own your home outright, it isn't compulsory, but you'd have to pay for any rebuild or repairs yourself without it. For strata units, the owners corporation usually insures the building, but you still need contents cover.
For the building, it is the cost of rebuilding your home, not its market value, and the two can be very different. For contents, add up what it would cost to replace everything. If you insure for too little, the insurer may pay out only part of a claim.
It depends on the policy and where you live. Some policies include flood cover and some don't, and the definition of flood varies. Storm, fire and cyclone cover also differ by location. Ask what is covered for your address and read the Product Disclosure Statement.
It is an optional extra on some policies that covers damage you cause by accident, such as a spill on a carpet or a drill through a pipe. It isn't included in every policy, so check.
Policies set a limit for any single item, and high-value items such as jewellery or art may need to be listed separately. Cover for items you take out of the house may be limited or an extra.
Wear and tear, gradual damage, damage from poor maintenance, and in some policies a home left empty for a long period. Read the exclusions and the conditions you must meet, such as the locks you have fitted.
Most policies give you a period, usually 14 days, to cancel and get a refund if you haven't made a claim. The terms differ, so check, and read your Product Disclosure Statement.
Complain to the insurer first. If you're not happy with the answer, you can take it to the Australian Financial Complaints Authority, which is free to use.
The type, age and size of your home, how it is built, whether you own or rent, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance advice. Any quote or advice comes from the firm that contacts you. Check that a firm holds an Australian Financial Services Licence on the ASIC Professional Registers (asic.gov.au) before you share personal or payment details.
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