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Protect what matters most with comprehensive and tailored home and contents insurance.
For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out with the right insurance cover. After all, no one wants to discover they’re inadequately insured when it’s too late.
Home and contents insurance allows you to cover the cost of repairing or replacing your home and its belongings.
Included within a home insurance package is coverage for repair or loss of your home, other structures surrounding your home and all belongings inside. What you are covered for will depend on your policy and the provider. It’s about ensuring that, in times of unexpected events, you have a reliable safeguard for your home and everything it holds.
Home insurance includes coverage for repair or loss of your home, other structures surrounding your home and all belongings inside. What you are covered for will depend on your policy and where you get it from.
Home insurance provides essential coverage for the repair or replacement costs of your residence in the event of unexpected incidents such as fire, natural disasters, or accidents.
Beyond the main dwelling, home insurance covers additional structures on your property. This includes structures like garages, sheds, and fences.
Home insurance safeguards your personal belongings, covering the repair or replacement costs if they are damaged, destroyed, or stolen.
Your home is more than just a building, it’s a sanctuary for you and your loved ones. LA Insurance offers comprehensive residential insurance solutions designed to protect your property and everything in it. From coverage against fire, storm, theft and accidental damage to tailored options for high-value belongings and personal liability, our policies are built to fit your lifestyle and provide peace of mind. With a focus on personalised service, we work with you to ensure your home is well-protected, so you can focus on what truly matters: living your life with confidence and security.
Get answers to common questions about protecting your home and belongings. From coverage details to claims processes, we’re here to help you understand and feel confident in your insurance choices.
Our expert advice will help you maximise your commercial purchasing power. No matter how complex the deal or investment, with Lending Association on your side, you can confidently enter into commercial loans, retail and business property purchases. And, ask us about purchases within self-managed super funds.
The typical cost of Home & Contents Insurance, as well as the cover, varies across Australia. The monthly average is around $110 in NSW and $100 in Victoria, while in Queensland, it can range from $120 to $360 per month for Far North Queensland. This is why it’s worth getting quotes from different insurance companies and for different levels of cover.
Premiums are generally based on:
Home and contents insurance is undoubtedly worth the investment for the protection it provides. It acts as a financial safety net, covering the repair or replacement costs of your home and belongings in the face of unexpected events.
The choice between a high or low excess for home insurance depends on your individual circumstances and risk tolerance. Opting for a higher excess may result in lower premium payments, making it a suitable choice for those who are confident in their ability to cover a higher upfront cost in the event of a claim. On the other hand, a lower excess means you’ll pay less out of pocket for each claim, but it might result in higher premium payments.
There are typically 3 areas covered by a homeowner’s insurance plan:
LA Insurance know that protecting your assets is essential
In relation to General Insurance Only. LA Insurance Pty Ltd and its adviser are Corporate Authorised Representatives of Insurance Advisernet Australia Pty Ltd. Australian Financial Services Licence No. 240549. Corporate Authorised Representative No. 1255587. LA Insurance Pty Ltd ABN 16 610 540 577.