Home insurance in Perth

• Home insurance. Home insurance cover is for the physical structure of the home, such as its roof, walls and windows, as well as outside structures like the garage, fencing and driveway.
• Contents insurance. Contents cover is useful for renters who only need to cover their own belongings inside the home they live in. For items like your phone or glasses that you take outside, you might want to purchase portable contents insurance as an optional extra.
• Home and contents insurance. This is a combined home and contents insurance policy that covers your home and the contents inside it. This is the most comprehensive type of cover.
• Landlord insurance. If you have rented out an investment property, you may need landlord insurance. This policy can cover your home and furnishings, but it won’t cover the renter.
• Strata insurance. This is a mandatory insurance policy for apartment buildings, complexes or townhouses that is paid to the body corporate. It covers the building and common spaces such as parking lots, the lobby, elevators and more from storm damage and natural disasters and provides legal liability cover.

The type of events you’re insured for will depend on the type of home and contents insurance for Perth that suits your needs. Some inclusions may vary between insurers or only be available through optional cover but you will usually be covered for the following:

When searching for home insurance quotes, read the relevant Product Disclosure Statement (PDS) for the full details on what’s included and excluded from your policy. Read the Target Market Determination (TMD) to check is a policy is suitable to your needs.

Perth is a relatively safe city in Australia, however, there is always the risk of natural disasters due to Perth’s climate and its geographical location. The most common natural disasters may include:

• Storms
• Cyclones
• Earthquakes
• Flooding
• Bushfires.

Not all natural disasters may be covered automatically, so if you live in the flood zone for Perth, consider purchasing add-ons such as flood cover for an additional premium.

The area you live in may also affect your home insurance premium in Perth. If you live in a high crime suburb then your property may be considered a higher risk for needing to claim, which can increase how much you need to pay.

Getting a home insurance policy is up to the individual and is not compulsory (with the exception of strata insurance). It’s up to you to decide whether you want to insure your home against unforeseen events that may cause damage. But if you can’t afford the cost of replacing or repairing your home in the event of a disaster, it could be worth taking out a home insurance policy.

While you can’t always predict when something may damage your property, you can plan ahead by insuring your home and contents against the unexpected. Why not use our comparison service to get a quote and search for a new policy that’s right for you?

If your home is unexpectedly damaged or destroyed, you may need to make a home insurance claim. It’s important to contact your insurer as soon as possible when something goes wrong, and if possible, before starting repairs.

When you contact your insurance provider, make sure to let them know if you need temporary accommodation if your home is no longer liveable. When you make a claim, try to include evidence of the damage. This may include police reports (if it was malicious damage), photos, videos or other documentation.

Your home is incredibly important, so it’s equally important to understand exactly what will and will not be covered by your insurer, so don’t be afraid to ask for additional information from your insurer’s claims team.