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Insuring your home



FIDO's tips on home insurance


How insurance works


Insurance policies are like contracts. Find out what this means for you and your insurer or insurance broker.

Go to... More about how insurance works


Choosing a policy


Most people only read their policy from cover to cover when they need to make a claim. Unfortunately, by this time it's often too late. Make sure you know up front what to expect from your policy.

Go to... More about choosing a policy


Make sure you have enough insurance for your home


Many home owners do not have enough insurance cover on their home. This can be extremely costly in the unfortunate event of losing your home. Increasing your insurance cover may not cost very much, and you may even be able to get more cover for the same or a lower price.

Go to... More about making sure you have enough insurance for your home


Insuring against flood and storm


Although insurers generally cover storm damage, the level of cover varies from insurer to insurer. Flood cover is not offered in most house and contents insurance policies and therefore you may find out too late that you are not covered for losses caused by a flood.

Go to... More about insuring against flood and storm


Applying for a policy


You've done your homework and you're ready to take out the policy of your choice. Hold onto your pen a moment longer. How you applied for your policy could make all the difference if you ever need to make a claim.

Go to... More about applying for a policy


Make sure you have enough insurance for your contents


Are your collections, such as DVDs or CDs covered?

Go to... More about making sure you have enough insurance for your contents


Renewing your policy


Many insurance policies are renewed each year. Each renewal is a fresh contract. Are you aware of five issues that may come up at renewal time?

Go to... More about renewing your policy


Claiming on your policy


When something bad happens, you naturally want to race out and claim on your insurance as soon as possible. By satisfying your insurer's requirements, you can maximise the success of your claim.

Go to... More about claiming on your policy


Seeking a review of your claim


If you disagree with a decision about your insurance claim, your first step should always be to raise this directly with the insurer by using their dispute resolution system.


How to complain


If an insurer rejects your claim, it's not necessarily the end of the story. You can go to court or you can take your case to a complaints resolution scheme.

Go to... Guide to making a complaint
Go to... Independent complaints schemes

More about


Go to... Other insurance

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