3 insurance must-dos in your 30s

By getting on top of these insurance essentials in your 30s, you'll have an easier time relaxing later in life!

By the time you've hit your thirties, you've probably got quite a bit of stuff – both for inside and outside the home – and you may even have an actual house or two! So it's essential to have the right insurance in place.

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1. Get your home – or your investment – covered

Owning your own home comes with certain responsibilities. If there's some kind of accident, you want to make sure that your property is protected.

From everyday issues like damaging leaks to full-blown natural disasters, it's important to have the right insurance partner.

ALDI Insurance is one provider that offers cover for a wide range of insured events, spanning theft and vandalism all the way to storm, flood or fire (including the rebuild of your property if it is deemed a total loss). You can also get cover for furnishings and equipment as part of a home office – especially important if you work from home at all.

You can also save up to 8% on your home insurance premium with ALDI Insurance by installing complimentary smart home sensors, on eligible policies*. Working in conjunction with your smartphone, these sensors can detect a range of potential issues, including fire, water damage and theft.

Investment properties need to be covered for these issues too – but they also have more specialised requirements.

That's where cover for landlords comes in.

ALDI Insurance offers cover for landlords that applies to situations like theft and natural disasters, while also covering other potential issues.

This includes damage from tenants, cover for fixtures and fittings, rent default and more, which aren't necessarily covered by traditional home insurance policies.

(Don't worry, we haven't forgotten about contents insurance – we'll talk about that in the next point!)

2. Look after your belongings

Insurance isn't just about protecting your home. It's also about protecting the stuff inside.

Contents insurance allows you to cover your belongings in most of the same ways you might cover your house.

After all, theft, natural disasters, water damage and other problems don't just affect buildings. And if these issues occur, you don't want to be stuck with a huge bill to replace a whole range of everyday items.

ALDI Insurance allows you to take out contents insurance to cover your belongings, including new for old replacement for your contents.

But what about if you're renting? Contents insurance can sometimes seem a bit trickier to negotiate, given that you don't own the house you're living in.

You may also be moving around quite a bit, which also opens you up to a greater risk of damaging your items, or loss (this writer speaks from first-hand experience).

The good news is that there are renter's insurance policies available to help you protect your belongings.

ALDI Insurance offers Contents Insurance for renters which has many of the same features as traditional contents insurance, but with a few tweaks. For example, you can split cover with housemates and also get cover while your goods are in transit.

3. Get the cover you need for your car

Given the ongoing issues with the cost of living and rises in car insurance premiums, it can be tempting to stick with only compulsory third-party car insurance.

It's an understandable choice. But it can also be more expensive in the long run if an accident does occur.

Comprehensive cover can offer a broader range of benefits, which can make it a better option in the long run. For example, ALDI Car Insurance offers cover for theft, loss or damage, emergency repairs, personal property inside the car and more.

You can see a full list of coverage on the ALDI Car Insurance website.

Comprehensive cover doesn't mean you can't make savings, either. Comparing and shopping around means you can potentially score a great deal.

Let's look at ALDI Insurance as an example. Currently, ALDI's comprehensive car insurance offers higher benefit limits than many other car insurers. Some insurers will only cover up to $500 of personal property, whereas ALDI covers for up to $1,500.

Shopping around for features like this can help you get the cover you need while still maintaining affordability.

Learn more about ALDI Insurance today

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  Insurance issued by RACQ Insurance Limited ABN 50 009 704 152, AFSL 233082 ("RACQI") and distributed and administered by Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528244 ("Honey"). Honey administers the policy on behalf of the insurer, including sales, policy administration and assisting RACQI with claims management. ALDI Insurance Pty Ltd ABN 73 673 464 901, AR 1308867 ("AIPL"), promotes and distributes the insurance as an authorised representative of Honey but is not involved in claims management. Terms, conditions, limits and exclusions apply. Any advice is general advice only and does not take into account your personal objectives, financial situation or needs and may not be right for you. If you purchase an ALDI Insurance product, ALDI Stores (A Limited Partnership) ABN 90 196 565 019 ("ALDI Stores") is paid a Branding and Access Fee in relation to the services provided by AIPL which is a percentage of your premium. ALDI Stores is not responsible for issuing, distributing or administering such insurances. Always read the PDS (Product Disclosure Statement), any applicable SPDS (Supplementary PDS), FSG (Financial Services Guide) and TMD (Target Market Determination) available at aldiinsurance.com.au/documents before making any decision.

  *The Smart Home Program discount will be applied to your premium if you install and keep the smart home sensor kit operational. Each month we will assess your ongoing eligibility for the Honey Smart Home Program discount, based on your sensors being active. Where your sensors are not active, we may choose to remove your discount for the remaining period of insurance. Please refer to the PDS for full terms and conditions.