It is simple to take out a house insurance policy. Often it doesn’t take long, and is never thought of again. Only at claim time do you reach for the policy document and discover how relevant and sufficient your cover is or isn’t.
Some simple things can cause major issues, such as:
Are there limitations on retaining walls?
If you have a leak from behind the shower, how much cover do you have?
What if the house is a rental, holiday home, short term rental or used for business?
We have intimate knowledge of all these potential problems, and how to choose cover that avoids these and other hidden pitfalls. We make sure that your cover is reviewed each year and still suits your needs. As part of our service, one of our specialists gives you a quick call to make sure you are still being protected in the best way.
We can also point you in the right direction in terms of ensuring that your house is correctly valued to full replacement cost. You may be able to build a home for $2,000 per square metre, but what about driveways, fences, retaining walls, decks, demolition costs, removal of debris, dump fees and inflation, and where do you live while the repairs are being made?
We can address these issues for you right from the start, so that when you do need to reach for the cover, we are there with you and have ensured that you have what you need, when you need it.