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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
Insurance claims worst case: what to do when your claim is rejected or taking too long
If your home insurance claim has been delayed or denied, you can ask for support from the insurer, or lodge a complaint. As a last resort, you could consider taking your dispute to a tribunal, or even to court.
Home Insurance
15 May, 2024
6 min read
Peter Terlato
Personal Finance Editor
Does home insurance cover roof leaks?
While many home insurance providers cover damage to the roof of your house, not all leaks are covered. Whether your claim will be accepted or denied often depends on the cause of the damage.
Home Insurance
14 May, 2024
4 min read
Peter Terlato
Personal Finance Editor
Can you withdraw a home insurance claim?
You can often withdraw a home insurance claim without charges or hassles, though there may be exceptions, such as if the claim has already progressed too far.
Home Insurance
14 May, 2024
3 min read
Mark Bristow
Personal Finance Editor
Are kitchen appliances covered by contents insurance?
Many kitchen appliances count as part of your home’s contents for insurance purposes. However, some insurers could consider certain built-in appliances to be part of your building, meaning they may only be covered under a building insurance policy.
Home Insurance
14 May, 2024
3 min read
Mark Bristow
Personal Finance Editor
Does home insurance cover foundation damage?
Home insurance may help you to avoid paying the substantial cost of foundation repair, but your policy may only cover foundation damage in some cases, such as when the damage is caused by specific events.
Home Insurance
13 May, 2024
4 min read
Mark Bristow
Personal Finance Editor
Is insurance a requirement of having a mortgage?
While home insurance isn’t compulsory in Australia, most mortgage lenders require borrowers to have a home insurance policy in place over a property before they’ll approve a home loan application.
Home Insurance
13 May, 2024
4 min read
Alex Ritchie
Personal Finance Editor
What you should know about the cost of house insurance
Your home insurance policy should fit your budget, but also offer the best possible coverage. Generally, the more cover your policy offers, the more the premiums may cost. It is important to understand what you're paying for when comparing home and contents insurance options.
Home Insurance
13 May, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
Does home insurance cover plumbing problems?
Standard home insurance might not cover plumbing problems that could have been prevented with maintenance, or damage caused by negligence. However, if you have a surprise leak at home, or a burst tap or an overflowing toilet, you still might be able to claim on your insurance if the damage was sudden and accidental.
Home Insurance
06 May, 2024
5 min read
Mark Bristow
Personal Finance Editor
What is fusion damage insurance and why would I need it?
Fusion cover protects your electrical appliances and other devices against damage caused by electrical currents or wiring. It’s often an optional extra you can select for your contents insurance policy. While fusion damage insurance may cost a little extra, the value it offers could make a big difference in some homes.
Home Insurance
06 May, 2024
3 min read
Mark Bristow
Personal Finance Editor
What home insurance do I need for an apartment?
Many apartments are already covered by strata insurance, so you may not need to apply for a traditional home insurance policy to cover damage to the property. However, strata insurance may not always offer the cover you need. If you’re one of the 10% of Australians who live in apartments, it could be worth comparing contents insurance policies and other options.
Home Insurance
26 Apr, 2024
4 min read
Mark Bristow
Personal Finance Editor
Motor burnout insurance: what you need to know
It may not be the first household problem that comes to mind, but motor burnout can be an annoying and potentially costly inconvenience - especially if your air conditioner breaks down right in the middle of summer. Fortunately, many home insurance policies include motor burnout insurance coverage for this specific situation.
Home Insurance
26 Feb, 2024
3 min read
Mark Bristow
Personal Finance Editor
New home insurance - what do you need to know?
Purchasing a new home is exciting, but can also be a busy time. One of the most important things you’ll need to do after purchasing a property is to organise insurance.
Home Insurance
22 Feb, 2024
4 min read
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Mark Bristow
Personal Finance Editor
11 Nov, 2024
Total replacement home insurance cover explained
Mark Bristow
Personal Finance Editor
26 Jun, 2024
Do I need home insurance for renovations?
Mark Bristow
Personal Finance Editor
26 Jun, 2024
Do I need to get homeowners insurance liability coverage?
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