If you live in Western Australia, you're used to preparing for extreme weather — but if you want to equip yourself financially, it's worth comparing WA 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.
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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:
Building-only insurance
Also known as home insurance, covers damage to the physical structure of your home.
Contents insurance
Protects your belongings from unexpected damage, theft, vandalism, storms, etc.
Home and contents insurance
A policy that combines cover for the building of your home and your valuables.
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.
You may have to contact your insurance provider to change/cancel all your insurances.
As a guide you may use the following pages:
Cancel your car insurance
Cancel your life insurance
Cancel your health insurance
If you are looking to switch providers, you can request quotation from different brands on the following guides:
Switching life insurance policies
Switching car insurance
Switching your health insurance
You can also seek assistance from an insurance broker that can help you navigate the complex world of insurance and give you a range of options.
Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki