Australia is facing more frequent natural disasters than ever, reshaping how insurers price risk. From floods to fires to hailstorms, climate change and home insurance are now inseparable — and the financial impact is growing. Premiums Rising Faster Than Inflation Data from the Actuaries Institute (2025) shows home insurance premiums have risen by 28% in…

Most homeowners don’t think twice about cleaning gutters, checking roof tiles, or trimming branches until a storm hits and the damage bill arrives. Yet basic home maintenance for insurance claims can mean the difference between a smooth payout and a rejected claim. According to the Insurance Council of Australia, maintenance-related issues are one of the…

Most Australians assume their home insurance covers them for “everything that could go wrong”. But when disaster strikes, from floods to fires to theft, thousands discover painful surprises buried deep in the fine print.These hidden coverage gaps can turn a policy that feels comprehensive into one that leaves you out of pocket when you need…

Months after February’s destructive hailstorm swept through Harden and surrounding towns, residents and business owners are still rebuilding, and now, insurance companies are coming directly to them. On August 6 and 7, the Insurance Council of Australia (ICA) and several major insurers will host a two-day claims support roadshow at the Harden Country Club, offering…

As devastating floods swept through the NSW Mid North Coast in May, families and farmers have been left reeling — not only from the physical destruction but from the harsh reality of an increasingly unaffordable insurance market.For many, the choice between financial survival and adequate cover has become impossible. When the Water Rose and the…

As another wet summer looms, new data from AAMI shows how widespread severe weather damage has become across New South Wales. From flash floods to hailstorms, no community is immune. For many households, the cost of being unprepared can be devastating. That’s why storm preparation for NSW homeowners is more important than ever. The Regions…

Phones, laptops, tablets, cameras, watches – they’re some of the most used and least documented possessions Australians own. They go everywhere, get upgraded often, and disappear faster than any other asset category. When something happens, theft, surge damage, or loss during a move, most people have no clear record of what they owned, what it…

Insurance shouldn’t feel like reading a foreign language, yet many Product Disclosure Statements (PDS) run over 60 pages of legal jargon. That confusion leaves many Australians unsure of what they’re actually paying for — and highlights why understanding your insurance policy is essential. Why Policies Feel So Complicated Each insurer uses slightly different definitions for…

When a fire destroys a home, the trauma doesn’t end with the flames. For many Australians, the real shock comes weeks later, when their insurance claim is denied after a house fire. In most cases, the reason isn’t small print — it’s missing proof. Why so many claims fail After every major fire season, insurers…

Most Australians underestimate how much they actually own. Jewellery tucked away in a drawer, a camera bought years ago, an old guitar, heirloom coins, or designer accessories, they all add up. Yet most contents policies are never updated to reflect their real value. The Hidden Gap in Australian Homes Research from the Insurance Council of…