Home Insurance articles & news

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

Does home insurance cover tree root damage?

Home insurance policies do not often specifically cover you for tree root damage. Instead, if your home is insured, your policy may include coverage for tree damage contingent on it being caused by a storm, or other event covered by insurance - even if the tree is not on your property.

Home Insurance

16 May, 2024

5 min read

Does home insurance cover tree root damage?

Alex Ritchie

Personal Finance Editor

Do you need flood insurance?

If you have home and contents insurance, your policy may include flood insurance as standard. But flood insurance coverage is not mandatory. After the 2011 Queensland floods, the federal government pushed for flood insurance to become compulsory for insurance policies to cover, but this was not approved.

Home Insurance

16 May, 2024

3 min read

Vidhu Bajaj

Personal Finance Writer

Are swimming pools covered under home insurance?

While a standard home insurance policy typically covers accidental damage to your property caused by events like storms, fires, or theft, it's essential to understand the extent of this coverage when it comes to your swimming pool.

Home Insurance

15 May, 2024

4 min read

Are swimming pools covered under home insurance?

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

Insurance claims worst case: what to do when your claim is rejected or taking too long

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

Can you withdraw a home insurance claim?

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

Are kitchen appliances covered by contents insurance?

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

Does home insurance cover foundation damage?

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

Is insurance a requirement of having a mortgage?

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

What you should know about the cost of house insurance

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

Does home insurance cover plumbing problems?

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