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Property Insurance

Compare the 151 products offered for Property Insurance from 64 companies including Global Transport and Automotive Insurance Solutions Pty Ltd, Epsilon Underwriting, Community Underwriting Agency Pty Ltd.
Products 1 to 10 of 151
Property
Ocean Underwriting
  • No contract required
Max Coverage AUD 30M

Coverages: Professional Indemnity | Public Liability

- No min/max insured, up to $30m per risk (100% or proportional)

Landlord
Blue Zebra Insurance Pty Ltd
  • Contract required

Coverages: Contents | Landlords | Property Damage | Property Owners Liability

We offer 2 different levels of cover at Blue Zebra for your investment property:
- Accidental Damage
- Listed Events
We also provide cover under specific conditions for a range of incidents, such as theft, rent default or other acts by tenants.

Home and Contents
Blue Zebra Insurance Pty Ltd
  • Contract required

Coverages: Contents | Home | Property Damage

We offer 3 different levels of cover at Blue Zebra for your home and contents:
- Accidental Damage
- Listed Events
- Basic
Our top level of cover is Home Building & Contents Accidental Damage, providing extensive cover for many of the major risks faced by homeowners. This includes cover for accidental loss or damage to buildings and/or contents, as well as additional benefits and covers, including legal liability.

S) Square Mile Corporate Risks
Market Lane Insurance Group
  • Docs available F
  • No contract required
Max Coverage AUD 55M

Coverages: Property Damage

Square Mile Corporate Risks focuses on Middle Market to Corporate style Property and General Liability risks. We target mid to large Retail, Real Estate, Accommodation and Office Complexes as well as Medical Facilities, Commercial Strata and Property Owners.

O) Fairlight Medical Practices
Market Lane Insurance Group
  • Docs available S
  • No contract required
Max Coverage AUD 30M

Coverages: Medical Malpractice | Product Liability | Professional Indemnity | Public Liability

Fairlight’s Medical Practices Insurance is designed for healthcare providers like GPs, specialist clinics, day surgeries, and allied health practices. It offers limits up to $20M for Medical Malpractice, Public and Products Liability, $30M for Commercial Property and $10M for Errors and Omissions. Our policy extensions include Abuse Liability, Contamination Costs, Fidelity and more.

M) MLX Placement Solutions
Market Lane Insurance Group
  • Docs available S
  • No contract required

Coverages: Property Damage

MLX Risk Partners offers dynamic placement solutions, providing risk transfer and insurance capacity for complex exposures in today's intricate insurance market. Specialising in large commercial and industrial property placements exceeding $200M in asset values, they also handle complex general liability exposures and unique occupancy risks. With access to local and offshore capital providers, MLX delivers tailored solutions for hard-to-place risks.

K) Kokomo Property
Market Lane Insurance Group
  • Docs available S
  • No contract required
Max Coverage AUD 15M

Coverages: Business Interruption | Contents | Property Damage

Kokomo Insurance offers comprehensive property coverage tailored for businesses in the holiday accommodation and leisure industries. Their customised policies protect assets from potential damages and unexpected events, ensuring stability in a dynamic market. With capacity up to $15M per risk and in-house claims management, Kokomo delivers reliable protection for various operations, including boutique hotels, resorts, caravan parks, and short-term accommodations.

I) G.O.A.T. Hospitality Business Package
Market Lane Insurance Group
  • Docs available S
  • No contract required
Max Coverage AUD 20M

Coverages: Business Interruption | Contents | General Liability | Property Damage

G.O.A.T. Insurance’s Hospitality Business Package provides comprehensive coverage by integrating both Property and Liability insurance, specifically designed to address the unique and complex risks faced by businesses in the hospitality sector. This package is ideal for bars, hotels, restaurants, registered clubs, and other hospitality-related enterprises, offering tailored protection to safeguard assets, operations, and reputation.

H) G.O.A.T. Commercial Property
Market Lane Insurance Group
  • Docs available S
  • No contract required
Max Coverage AUD 15M

Coverages: Business Interruption | Contents | Property Damage

G.O.A.T. Insurance’s Commercial Property cover is designed for the Sports, Hospitality, and Leisure sectors, offering protection for complex property risks. With capacity up to $15M per risk and total insured values up to $100M, it provides coverage for Bars, Breweries, Pubs, Restaurants, Sports Facilities, Performing Arts Venues and more. With claims managed in-house, Market Lane ensures a seamless and efficient claims process.

C) The Barn Specialty Commercial Business Package
Market Lane Insurance Group
  • Docs available S
  • No contract required
Max Coverage AUD 30M

Coverages: Business Interruption | General Liability | Property Damage

The Barn's Specialty Commercial Business Package offers tailored insurance solutions for complex property risks, combining Property and Public and Products Liability coverage. With property capacity up to $5M per location and liability limits up to $20M, this policy caters to medium to higher hazard industries such as food manufacturing, chemical storage, and boutique accommodation.

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What is property insurance? 

Property insurance safeguards Australian property owners against financial losses from events like natural disasters, theft, and accidents. It covers residential, commercial, and industrial properties, ensuring protection for structures and contents. Australia's bushfires, floods, and cyclones make property insurance an important tool in protecting against major financial losses. 

The Australian property insurance market is huge, with gross written premiums projected to reach approximately $14.32 billion by 2024. This growth reflects the increasing demand for coverage due to the country's unique environmental and social challenges. For insurance brokers, understanding the nuances of this insurance is vital to effectively advise clients and guarantee comprehensive protection. 

Property insurance industry trends and emerging risks 

Property insurance in Australia aims to adapt to new risks and shifting demands. Climate disasters are increasing claims and premiums, while reducing affordability and access to coverage for properties in high-risk areas. Brokers need to stay informed to help clients navigate these challenges effectively: 

The property insurance market is dealing with higher costs, more claims, and fewer options for coverage. These changes make it harder for people to get affordable and complete insurance. Brokers need to guide clients through these challenges to help them protect their properties. 

Property insurance FAQs 

What is the best property insurance company? 

Choosing the best company in Australia for this insurance depends on individual needs and preferences. Customer satisfaction surveys often highlight insurers that excel in transparency and service quality. Comparing providers based on reviews and coverage options helps identify a suitable choice. 

How do I choose the right property insurer? 

When choosing a property insurer, consider the following factors: 

  • coverage options: ensure the policy covers all potential risks relevant to the property 
  • premium costs: compare premiums to find a policy that fits the budget without compromising necessary coverage 
  • exclusions and limits: review policy exclusions and claim limits to understand what is not covered 
  • customer service: assess the insurer's reputation for handling claims efficiently and providing quality customer support 

By evaluating these aspects, one can select a property insurer that aligns with their specific requirements. 

Is property insurance mandatory in Australia? 

No, this insurance is not mandatory for all Australians. However, certain situations require coverage to protect financial interests or comply with legal requirements. 

Are there specific legal requirements for property insurance? 

While individual property owners are not legally obliged to have insurance, some cases make it mandatory: 

  • strata properties: owners in strata schemes must have strata insurance to cover shared areas and the building itself 
  • mortgaged properties: lenders often require insurance to secure their investment in case of damage or loss 

The Australian Prudential Regulation Authority (APRA) makes sure property insurance providers follow rules and stay financially stable. 

Is it illegal to not have house insurance in Australia? 

No, it is not against the law to own a house without insurance in Australia. However, without coverage, property owners risk significant financial losses from damages or liabilities. Certain policies may be required by law depending on the property type. 

Although not universally mandated, house insurance is important in many circumstances to safeguard assets and comply with specific obligations. 

What insurance do you need on your house? 

Homeowners in Australia typically consider two main types of insurance: 

  • building insurance: covers the physical structure of the home 
  • contents insurance: safeguards personal items within the home 

What is the difference between home and property insurance? 

In Australia, the two are often used interchangeably, both referring to coverage for the building and its contents. Property insurance includes various types, like seasonal homes, specialty homes, and tenants insurance. This page covers these categories to help brokers meet different client needs. 

How much should you insure your house for in Australia? 

Homes should be insured for their full rebuild cost to cover total loss. This warrants sufficient coverage for reconstruction without financial difficulties. 

What factors determine the insured amount? 

  • construction materials: the type and quality of materials impact costs 

  • property size and features: larger homes or extra features like pools increase costs 

  • location: local labour and material costs affect rebuilding expenses 

How can you calculate your property's rebuild cost? 

Homeowners can use online tools, like those from the Insurance Council of Australia, to estimate rebuilding costs. These tools help ensure coverage matches current prices. Updating property insurance policies regularly reduces the risk of underinsurance.