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Household Insurance Articles

How Much Should You Budget for Insurance in Australia?
How Much Should You Budget for Insurance in Australia?
Welcome to the comprehensive guide on navigating the diverse world of insurance in Australia. Whether you're safeguarding your personal assets or protecting your business interests, insurance plays a pivotal role in financial security. In this introductory section, we'll explore why budgeting for insurance is crucial for Australians, delve into the various types of insurance available, and illustrate how insurance should integrate into your broader financial planning strategy. - read more
How Often Should You Review and Update Your Household Insurance Policy?
How Often Should You Review and Update Your Household Insurance Policy?
It’s easy to think of household insurance as something you purchase once and forget about. However, this approach can leave you vulnerable to unexpected risks. Your home and its contents change over time, and so do your insurance needs. - read more
Building Your Safety Net: Understanding Total Replacement Cover
Building Your Safety Net: Understanding Total Replacement Cover
For many Australians, their home is their castle, their sanctuary, and most significantly, their largest investment. Safeguarding this asset against unpredictable events is not merely a consideration—it's a necessity. That's where Total Replacement Cover comes into play. But what does this term really mean, and why is it paramount when it comes to choosing a home insurance policy? - read more
5 Essential Insurance Policies for Your Home-Based Business
5 Essential Insurance Policies for Your Home-Based Business
If you're running a business from your home, you may think that your homeowner's insurance policy has you covered. Unfortunately, this is not the case. Homeowner's insurance policies are not typically designed to cover business-related losses, leaving you vulnerable to significant financial risks if something goes wrong. - read more
5 Essential Tips to Understand Your Home Insurance Policy in Australia
5 Essential Tips to Understand Your Home Insurance Policy in Australia
Choosing the right home insurance policy is akin to laying a safety net beneath your most valuable investment. With the Australian climate presenting a unique set of challenges, from bushfires to flooding, ensuring you have comprehensive cover isn't just a luxury—it's a necessity. The right policy serves as an armor, protecting your sanctuary against the unexpected onslaughts of nature and misfortune. - read more

Insurance News

Surge in Mental Health Claims Challenges Australia's Income Protection Insurance
Surge in Mental Health Claims Challenges Australia's Income Protection Insurance
25 Dec 2025: Paige Estritori
Recent data from the Council of Australian Life Insurers (CALI) reveals a significant shift in the landscape of income protection insurance in Australia. Mental health conditions have emerged as the leading cause of total and permanent disability (TPD) claims, accounting for nearly one-third of all claims paid. In 2024 alone, insurers disbursed over $2.2 billion for retail mental health claims, a figure that has almost doubled compared to five years prior. - read more
Decline in Income Protection Premiums Reflects Market Adjustments in Australia
Decline in Income Protection Premiums Reflects Market Adjustments in Australia
25 Dec 2025: Paige Estritori
Recent research from Rainmaker Information indicates a notable decrease in income protection insurance premiums across Australia. Direct income protection premiums have fallen by 12% for policies with a 30-day waiting period and 13% for those with a 90-day waiting period since 2024. Similarly, premiums for life products sold through advisers have decreased by 5%, with income protection premiums dropping by 7% for 30-day waiting periods and 5% for 90-day periods. - read more
Superannuation Insurance Extends Coverage to 6 Million More Australians
Superannuation Insurance Extends Coverage to 6 Million More Australians
25 Dec 2025: Paige Estritori
New research from the Association of Superannuation Funds of Australia (ASFA) reveals that superannuation insurance now provides critical protection to over 6 million Australians who would otherwise be uninsured. This expansion has been achieved without impacting household spending, as the coverage is included within superannuation contributions. - read more
Adore Beauty's Strategic Acquisition of Ikou Enhances Market Presence
Adore Beauty's Strategic Acquisition of Ikou Enhances Market Presence
25 Dec 2025: Paige Estritori
In a significant move within the Australian beauty industry, Adore Beauty has announced the acquisition of wellness and skincare brand Ikou for $25 million. This strategic decision aims to bolster Adore Beauty's private label offerings and marks its entry into the physical retail space. - read more
Government Scrutinizes Health Insurers' Pricing Practices
Government Scrutinizes Health Insurers' Pricing Practices
25 Dec 2025: Paige Estritori
Health Minister Mark Butler has issued a stern warning to private health insurers regarding the use of 'underhanded' tactics to raise premiums. This comes in response to findings that some insurers have been closing old policies and introducing more expensive ones, effectively increasing costs for consumers. - read more
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Knowledgebase
Flood Insurance:
A specific type of property insurance that covers losses and damage caused by flooding.

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