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Personal Insurance

Some things get more valuable with age. Other things are created valuable. And if you own these things, you want to protect them. But you also want to use them. So instead of wrapping them up in cotton wool to keep them safe, why not insure your valuable properties… and get on with enjoying them?

Here are the main types of personal insurance and the things they provide coverage for.

Car Insurance

There are different types of car insurance available, which makes it a very flexible type of insurance: you can choose the right level of cover for your needs. There is a basic coverage provided by all types of car insurance policies, but you can choose it to cover from loss, damage, theft or attempted theft, malicious damage or storm damage and more.

Home and Contents Insurance

This insurance protects your home and home belongings from a wide range of unexpected events. It can also include new-for-old replacement of your contents. There are three main types of home insurance policies, depending on the types of properties you own.

Underinsurance

If you already have a standard home insurance, you may want to revise it – especially if you have had the same policy for years. It is easy to forget how your property’s value can increase or how your possessions can accumulate.

When you take out your home insurance you need to make sure you first calculate the full replacement value of your house and its contents, then choose the home and contents insurance that best suits your current insurance needs.

We advise you to contact us if you feel you are underinsured.

Landlord Insurance

If you own a property that you lend to tenants then you need to consider landlord insurance. It protects your investment property against the damage that tenants might cause, as well as against loss of rental income. They are just like a standard home insurance, covering for floods and storm damage – for example – but come with the added benefit of being customised specifically to properties where tenants live.

Residential Strata Insurance

Residential Strata Insurance is for owners of residential buildings that are under a strata, group, body corporate or community title arrangement. It covers you for legal liability if someone injures themselves on your premises, and can give you the option to cover accidental damage to the building and common contents.

Boat Insurance

In Australia, a lot of the people who live close to the ocean have boats. Just like any other vehicle or property, boats can also be insured – and should be. Boat insurance can protect against accidents in and out of the water:

Basic boat insurance that covers legal costs if you cause death or injury to another person, or your boat causes the loss or damage of their property.

Comprehensive boat insurance that covers the same events as basic boat insurance, but adds loss or damage to your boat.

Caravan and Trailer Insurance

Caravan and Trailer Insurance protects your caravan or trailer from being damaged or stolen – whether you’re on the road, or it’s just parked in the driveway at home.

Travel Insurance

The travel insurance is designed to cover for a broad range of claimable events. It is recommended if you travel on holiday or for business (or both) and includes travelling for sporting events. In this insurance are included the following: overseas hospitalisation, medical and emergency dental expenses, lost or stolen cash, as well as personal effects.

Need assistance with choosing the right personal insurance?

Shuriken and AIS work together to provide you with a complete list of personal insurance solutions that can be tailored to your specific needs. Contact us today – we have real people waiting to get in touch with you.

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AIS is an Authorised Representative of Resilium Pty Ltd ABN 40 098 080 810, AFSL No. 232703 and Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 AFSL No. 460382

Disclaimer: Any general advice in this article does not take account of your personal objectives, financial situation and needs. Read the relevant Product Disclosure Statement (if applicable) before acquiring any product mentioned in this article.

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Shuriken is at the forefront of accountancy, providing clients with a broad range of services, coaching and mentoring.

Contact Shuriken if you want to launch or grow a business or if you want to get a clear action plan on how to achieve your financial goals. We can help with benchmarking, cashflow forecasting, payroll and much more.

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T: 1300 886 066 or (02) 9114 8544

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T: (02) 9485 3400

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T: (02) 9651 2288

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