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Western Australians are used to preparing for extreme weather, but if you want to equip yourself financially, you need to think about home insurance as well. It can protect your home and all your belongings should a storm, bushfire or other insured event damage or destroy it. It ensures you can get things back to normal without breaking the bank.
No matter where you live, it's worth having home insurance. But for anyone living in Western Australia, there are a few more reasons why home insurance is particularly important.
Aside from issues that are unique to WA, home and contents insurance can help whenever accidents happen, from spilling paint on your new carpet to dropping your favourite antique vase. Plus, if your home is ever deemed unlivable, you won't have to rely on family or friends to give you a spare room. Home insurance provides emergency accommodation.
Every home insurance policy is different, so it's important to read your product disclosure statement (PDS) carefully. However, some common inclusions are:
Home insurance costs in Western Australia vary depending on a number of factors like where you live, the value of your home and its contents, as well as how secure your home is. As an indication of how much it can cost though, check out the price comparison graph below.
In Western Australia, home and contents insurance policies attract stamp duty at a rate of 10% of the premium amount. Remember to include this cost in your calculations when deciding whether a policy is affordable.
Most of Australia's home insurers offer cover in all Australian states and territories. These include:
You should read your PDS carefully, to make sure you're aware of any exclusions that apply. They'll be different for each insurer, but lots of companies won't offer you cover if:
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I want to change all my insurances over. Who can get quotes for me. I can email all old policies.
Hi Vanessa,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
You may have to contact your insurance provider how to change/cancel our all your insurances.
As a guide you may use the following pages on how to cancel your car, life and health insurances.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki