Bao hiem nha va noi that Uc: ai can mua, bao hiem bao nhieu?

Bao hiem nha la bat buoc neu vay tien ngan hang (ngan hang yeu cau).

Nguoi thue nha van can contents insurance bao ve do dung ca nhan.

Tóm tắt nhanh

• Building insurance: thiet hai ngoai nha.
• Contents insurance: do dung ben trong.
• Strata: body corporate mua building; chu apartment tu mua contents.
• Gia: phu thuoc vung, vat lieu xay dung, gia tri nha.

Loai bao hiem nha can biet

• Building only: Cau truc nha — $800–$2.000/nam
• Contents only: Do dung, thiet bi — $300–$800/nam
• Combined: Ca nha va do dung — $1.500–$3.000/nam

Mua bao hiem o dau va so sanh the nao?

• iSelect, Compare the Market: so sanh nhieu cong ty
• NRMA, Budget Direct, Allianz: cac cong ty lon
• Nen doc ky Product Disclosure Statement (PDS)
• Kiem tra excess (khoan khau tru) truoc khi chon

Câu hỏi thường gặp

Bao hiem nha co bao lut khong?

Phu thuoc policy. Flood cover often optional — doc ky PDS va dat them neu o vung co rui ro lut.

Nguoi thue nha co can bao hiem nha khong?

Khong can building (cua chu nha). Nhung content insurance cho do dung ca nhan rat nen co.

Tham khao financial adviser co dang ky truoc khi mua bao hiem tai chinh.

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