Bao hiem nha va thien tai Uc: can mua gi de duoc boi thuong?

Nhieu chu nha o Uc ngac nhien khi phat hien bao hiem cua ho khong bao gom thien tai cu the.

Viec doc ki hop dong va hieu cac exclusion la buoc quan trong truoc khi ki.

Tóm tắt nhanh

• Building insurance bao gom cau truc nha; contents insurance bao gom do vat ben trong.
• Flood, earthquake va bushfire thuong la thanh phan rieng can kich hoat.
• So sanh qua trang Canstar, Compare the Market hoac qua broker.
• Gia bao hiem tang manh sau 2022 do thua thiet thien tai.

Cac loai bao hiem nha o Uc

• Building insurance: cau truc nha, mai, tuong, san
• Contents insurance: do dac, dien tu, quan ao
• Combined home & contents: ca hai gop lai
• Landlord insurance: danh cho chu nha cho thue

• Chi phi trung binh: $1,500–$3,000/nam (2024)
• Flood cover: Thuong tinh them $200–$500/nam

Nhung dieu can kiem tra trong hop dong

• Flood cover: "defined flood" hay "flash flood" — khac nhau
• Bushfire cover: hau het goi co nhung co the co waiting period
• Sum insured: phai du de xay lai nha, khong phai gia thi truong
• Excess: so tien ban tu tra truoc khi bao hiem chi tra

Câu hỏi thường gặp

Nen chon sum insured bao nhieu?

Tinh chi phi xay lai nha (khong phai gia dat) — thuong cao hon gia mua nha. Dung cong cu tinh tren web cua bao hiem de uoc tinh.

Co the thay doi bao hiem giua nam khong?

Co the huy va chuyen sang nha cung cap khac, thuong mat phi huy. Nen doi vao luc gia han hang nam.

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