Get the Finder app 🥳

Track your credit score


Homeowners should choose their contractors with care

Posted: 31 May 2018 9:30 am

An uptick in unhappy Brisbane homeowners exposes the need for caution.

Police in Queensland noticed an uptick in complaints against contractors but since it was a civil matter, there wasn't much they could do from a legal standpoint. So they sent out a notice offering tips to help homeowners choose their contractors wisely.

In a similar spirit, finder has decided that now's a good time to remind homeowners how to get the most protection out of their home and contents insurance if their contractor doesn't live up to expectations.

Hiring a contractor can have major implications for home insurance. Most home and contents policies that would usually cover the cost of damage will often not cover damage to the existing home if it is caused by additional construction or renovations. As a homeowner, you will need to have owner-builder insurance in case the contractor's insurance refuses to cover the damage, or worse yet, the contractor is uninsured.

One way to find out if your contractor is insured is to check with your state's building authority. They will also be able to tell you if the contractor has their licence and if they've recently had any breaches or fines.

A typical home and contents insurance policy will also refuse theft-related claims if the thief is someone you've invited into the home. Police might be able to help in this case, but insurance probably won't. That means if you want to be covered for theft, you should not give contractors unrestricted access to the home when you're not present.

Having home and contents insurance in place will protect your most expensive asset, so make sure it's not compromised by a poor choice in a contractor.

Latest home insurance and loans news

Name Product Online Discount Pay Monthly at No Extra Cost Fire, storm, & theft damage Flood Accidental Damage Sum Insured Safeguard
Budget Direct Home & Contents Insurance
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
Youi Home Insurance takes the time to tailor a premium for you.
Virgin Home and Contents Insurance
Grab a $100 e-Gift card when you purchase a new eligible Virgin Home and Contents Insurance policy by 30 November 2020. Purchase online and you'll save 30% on your first year’s premium. T&Cs Apply.
Woolworths Comprehensive Building and Contents
Save up to 20% when you purchase a combined Woolworths Home and Contents policy online.
Westpac Home and Contents Insurance
Save up to 25% when you purchase cover online.
St. George Home and Contents
Save up to 25% when you purchase cover online.
Domain Home Buildings & Contents Insurance
Get 12% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.
ANZ Home & Contents Insurance

Compare up to 4 providers

Picture: Shutterstock

Get more from Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site