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.

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

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

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