Home insurance
What you've paid, what it covers, and what's changed — not a recommendation, a record.
No policy schedules yet. Upload your renewal notices and we'll read the premium and cover off each one.
The more years you upload, the more we can say — a single notice tells us what you pay, a series tells us what's been happening to you.
About you — the answers that order everything else
Each answer re-weights the comparison and says why. Nothing is hidden in a score; nothing is removed from view.
Could you cover a $5,000–$10,000 emergency from savings?
With a buffer you can run a higher excess: cheaper premium, and you absorb small mishaps yourself. Without one, low excesses and the small covers matter — you are buying first-dollar protection.
Do kids live at home?
More breakage and accidental damage happens — the accidental damage option pays out more often. Each claim still has to beat your excess, and claims can cost you at renewal.
Is your household active — bikes, sports gear, gear that leaves the house?
Portable contents and away-from-home cover start mattering. These are the covers most often capped low or sold as options.
Do you own jewellery, watches or collections worth more than a few thousand dollars?
Per-item caps bite here — $1,000/item on one policy vs $10,000 on another is the whole difference. Specified-item listing usually beats relying on the blanket limit.
Does anyone run a business or keep work tools/equipment at home?
Home policies cap business equipment hard (often $1,000–$15,000) and exclude business liability. If this is you, the caps are worth reading before anything else.
Is there a pool, spa or trampoline?
Mainly a liability question — visitors and injuries — plus some policies carve pool equipment and liners out of storm cover.
Could rising or moving water ever reach your home — creek, river, drain, or the sea in a serious storm? Think height as well as distance.
The single biggest cover difference in the market. If water can reach you, flood definitions and storm-surge cover decide everything; if it genuinely cannot, those differences are noise for you.
Is there bushland within about 100 metres?
Bushfire exposure — embargo periods after policy start (72-hour rules) and underinsurance matter far more than small-print differences.
Does this matter where you live?
Insurers differ most on water. Answer from what you know of your own place — you know it better than any map does. Your answers reorder the policy comparison; they never hide anything.
Add a renewal notice
We read only the schedule pages — the sums insured, premium and excess. Duplicates of a document you've already sent are recognised and ignored.