Frequently Asked Questions
Find the most frequently asked questions below:
01Is it essential to have home insurance?
If youre a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment. You dont usually need buildings cover if youre renting, but you may want contents insurance to help cover the cost of replacing your things if you suffer a loss.
02What factors can affect homeowners insurance premiums?
The following factors can affect your homeowners insurance premium: Home Features and Characteristics â Your home's age, type of structure, wiring, roof, garage, etc., can affect your homeowners insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has