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how can I get a cheap home insurance
Hi Meraki,
Comparing policies from multiple providers is a good way to find cheaper home insurance. However, price is only one consideration when it comes to finding the right cover for you.
Our guide to first-time home insurance has a lot of good information on how to customise your insurance to your requirements.
Regards,
James
I want to insure my Furnitue etc in a container at a self storage facility
What’s the best way to go about this?
Hi Kane,
Home and contents insurance can be customized to have contents in commercial storage covered. If you already have one, you can contact your provider to discuss how you can have it added to your existing policy.
If you are still in search of a cover, you can check out options on our Compare Home and Contents Insurance page.
Regards,
James
i want home insurance ‘without’ contents. does anyone know of an insurer.
Hi Tracey,
Thanks for your comment and I hope you are doing well.
Yes, you can find home insurance only for your home through home building insurance. As it says above, this is a stand-alone cover for only your home. It also covers other fixtures on your property, such as garages, fences, and sheds. It protects you against a bunch of natural events, such as fire, storm damage, and floods.
You will find a table that compares the features and benefits of each home insurance provider in terms of what it does and doesn’t cover. This way it will be easier for you to see which provider fits you best. If you need further help, a quick guide on how to compare home insurance is also stated on the page. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
I hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
I been trying to look for a home insurance for me rental property but it was declined due to the following reasons:
1. it is a rental property and we don’t know when we can have a tenant to occupy the property
2. Its still under renovation/construction but water tight now.
can you please help me find a cover for my property?
Hi Andrew,
Thanks for your message and for visiting Finder.
Sorry to hear that you’ve been declined for home insurance. Perhaps you may want to look at landlord insurance. You can compare and choose insurers as well as information on coverage, benefits, and the difference between home insurance and landlord insurance.
However, many insurers won’t cover you if your property will be unoccupied for over 30 days. It will be considered unoccupied and you may void your home insurance. Each provider imposes its own time limit on the maximum period you can leave your home unoccupied and still expect full coverage under your policy. Some insurers have a maximum unoccupied limit of 60 days, others extend this limit out to 90 days, but some companies require notification if you’ll be away for more than 30 days.
Check the product disclosure statement (PDS) for the limit imposed by your insurer. If you exceed this limit, one of two things will happen:
The insurer may impose an additional excess on any claims that arise while your home is unoccupied.
Your policy may be cancelled.
However, it may be possible to contact your insurer and arrange for home insurance cover to remain in place for the entire time your home is unoccupied. For more information, you may view our review on unoccupied home insurance.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki
If I purchase a property, do I need any form of insurance prior to settlement? Deposit insurance??
thanks
Hi Peter,
Thanks for reaching out.
That would be the Lenders Mortgage Insurance and it will depend on how much deposit you are able to make.
LMI is an upfront charge you will pay if you borrow over 80% of your property’s purchase price or value when buying a home or investment property.
Because LMI allows many borrowers to purchase a home with as little as a 5% deposit, it’s not just a fee but also a tool. You can learn more about Lenders Mortgage Insurance (LMI). Our guide provides information on how it works, ways to avoid LMI, and answers to commonly asked questions.
Cheers,
Joanne