Before you settle on your new home, it's practically essential to get your home insurance in place.

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Your building, it's contents - and this includes blinds and other items that are essentially part of the home, but, can be removed as well as your personal appliances and belongings - are valuable and you have worked hard to achieve what you have. It is relatively inexpensive to protect them.

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When considering insurance, you'll want to consider their replacement value - what it will cost you to rebuild, or buy new fridges and freezers - and also consider the costs of demolishing any remains & removing the debris.

 

In Australia, the issue of 'underinsurance' has a sinister side effect where insurance companies can reduce your claim in line with the percentage discount they feel you took on your policy up front - effectively they say you "self insured" the first portion of your claim - something most of us don't realise.

 

Instead of cutting the insured value, consider shopping around or changing the excess on your policy - with advice - to save money. 

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We use and recommend 1st Choice Insurance Services and welcome you to contact them for your insurance needs.

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