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A TAILORED insurance solution for home owners and investors


AT MORTGAGE SEEKERS AUSTRALIA, WE DON'T JUST OFFER LOANS, WE'RE DEDICATED TO YOUR SUCCESS. For homeowners, this type of insurance typically covers the structural integrity of the building, including essential fixtures like plumbing, electrical systems, and built-in cabinetry. It also extends to cover legal liabilities, such as if someone were to sustain an injury while on your property, providing financial protection against potential lawsuits.

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Landlord insurance is a variant of this, tailored specifically for property investors. It covers legal costs if there's an injury or property damage linked to the rented property where the landlord is deemed responsible. Additionally, it addresses concerns unique to landlords, It covers potential liabilities and repair costs that can arise from accidents or tenant negligence. Landlord insurance also provides coverage for loss of rental income, which can be crucial during economic downturns or tenant financial difficulties. This insurance also covers a range of insured events, including natural disasters like floods, storms, and fires, which are particularly crucial for safeguarding investment properties.
When choosing home insurance, homeowners should consider the type of cover that best suits their needs. There are typically two main types: sum-insured cover, which is an estimate of the cost to rebuild the home if totally destroyed, and total replacement cover, which covers the cost to repair or rebuild the home to the same standard. Total replacement cover generally reduces the risk of being underinsured but is often more expensive. Homeowners should also be aware of policy exclusions and the ability to adjust their excess to potentially save on premiums.

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