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Aussie Home Inventories : Home Inventory Service


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Aussie Home Inventories supplies inventories that help and assist you to optimise your insurance, realising and eliminating any under-insurance.

The Insurance Council Of Australia [ICA] reports that around 35% of all content cover is under-insured!

A common insurance policy in Australia offers 'New For Old'. Your property & contents will be covered for a replacement item of similar type. Typically but not always, this replacement cost is higher than the original cost. This means that throughout the year the cost of contents should be addressed in respect to current costs of replacement. In the average household this does not always happen. Along with the rise in cost of existing contents, is the additional cost of new purchases which also need to be added to the policy. The insurance policy premium is often paid with no additional premium rise, relating to either of these rising costs of replacement. Your policy needs to specify values at TODAY'S prices, otherwise you could find yourself under-insured with it being difficult to replace all of the contents. It is sad that most people have insufficient insurance cover and are unaware of this fact!

Some items in the home may not be automatically covered under the main section of the policy 'general effects' whilst in the home, or indeed not covered whilst out of the home and may have limits on the sum insured. It is important that these contents are included into the policy, under such optional cover as 'personal effects' & 'specified effects' to reduce the risk. Items such as,

Jewellery, Antiques & Heirlooms, Paintings, Collections, Bicycles, Sports Equipment, Tools Of Trade, Carpets & Rugs, Works Of Art, Stamps & Sculptures, CD / DVD, Memorabilia, Certain Electronic Items

A home office will need separate business insurance. Please read your insurance companies Product Disclosure Statement [PDS] for more information on your optional covers. Going over online resources devoted to compiling insurance and life insurance information should help too. Please download our Insurance Cover Guide

 

Record It Before You Lose It

Loss Is Random Preparation Is Not

What Have You To Lose?

 


The following data is sourced from the Insurance Council of Australia [ICA], Australia Bureau of Statistics [ABS], the Rural Fire Service [RFS], Australian Securities & Investments Commission [ASIC], Database - Australian Government Emergency Management Australia [EMA]

 

 

Home Inventories Prove Ownership & Correct Insurance
  • 23% of homes in Australia [26% NSW] have no property or contents insurance.
  • 20% of home property insurance cover is insured for only 70-90% of the replacement value. If your main asset, your home, is worth $350,000 and you are one of those under-insured, this could amount to over $100,000!
  • 1.8 million homes in Australia [656,000 in NSW] have no property or contents insurance.

 

Landlords & Tenants Need Inventories & Insurance
  • 70% of tenants do not have any contents insurance.
  • Up to 35% of all contents are markedly under-insured. Impossible to replace entire contents.
  • 40% of house fires start in the kitchen - 15% in the bedroom.

 

Business Inventories Help To Assess Correct Insurance
  • $72,235 is the average small business loss due to fire.
  • 1 in 6 small businesses do not have any insurance cover.
  • 17% of small businesses are under insured. [1999/2001]
  • 70% of businesses with under-insurance or no insurance do not recover after an event.
  • 12% of small businesses have no public or product liability insurance.

 

 

 

Climate Change Is No Longer A Theory - It Has Begun

 

Recent Natural Disasters

  • Canberra Fires [2003] - Insured Cost $342M - 1 In 3 Homes Under-Insured Or Not Insured. 488 Homes Lost, 800 Damaged
     
  • Cyclone Larry [2006] - Insured Cost $350M Estimated 50% Of Homes Under-Insured. Building Costs 50% Higher After Event!
     
  • Victorian Bushfires [2005/6] - Insured Cost $22M 57 Homes Lost
     
  • Mid North Coast NSW Flood [2007] - Insured Cost $350M
     
  • Hunter Valley / Newcastle Floods [2007]
     
  • Northern NSW Floods [2007]
     
  • North QLD Floods [2008] - Insured Cost $15M 1500 Claims
     
  • Mackay Storms QLD [2008] - Insured Cost $163M 12500 Claims
     
  • Brisbane Floods QLD [2008] -
     
  • North QLD Floods [2009]
     
  • North NSW Floods [2009]
     
  • Victorian Bushfires [2009]
     
  • Tornado SA [2009]

For those of you wishing to learn more about the damage / severity of some of the above disasters, visit our 'Eye On The Storm' Video Directory. Here you will be able to see and feel a part of what it must be like, to be at the epicentre of some of these natural disasters.

As with all disasters and emergencies it ALWAYS pays to be prepared. Loss Is Random Preparation Is Not!

STAY INFORMED & KEEP UP TO DATE with the latest Australian Disaster & Emergency Information
 

 

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