For the Best Home Insurance - 1Cover Is the Answer

With the Insurance Ombudsman reporting a 44% increase in home and contents insurance claim disputes, it's important when looking for the best home insurance that you fully understand what 'is' covered and what 'is not' covered.

What many insurance companies classify as 'extras' - i.e. elements that require you to pay extra to cover - We at 1Cover, include as 'standard' in our policies. These categories can include:

• Accidental loss or damage (which may come to an additional 30% on your premium to include with some companies) is one such 'standard' with our Prestige and Classic policies
• Visitors in your home may not have their possessions covered during their stay unless you arrange for, and possibly pay more for, this with many insurance companies. At 1Cover we include items damaged while in your home and belonging to your guests, visitors and your household help as standard up to a value of $5,000.
• Demolition and removal of debris before being able to rebuild again or carry out repairs, plus architectural fees, are not usually included as standard in many home insurance policies but are included with your 1Cover policy.
• Up to 12-month's cover for temporary accommodation during rebuilding if you are unable to live in your home. It's not uncommon for homes, particularly after a natural disaster such as bushfire, to take several months to be repaired or rebuilt. Without this level of support as standard you would be seriously disadvantaged.
• Replace all lost or damaged washing machines, fridges and freezers, dishwashers and dryers with a new minimum 3-star energy rating equivalent, even if the originals were under 3-stars.

The best home insurance includes benefits such as cover for mobiles, cameras and jewellery even when you're travelling in Australia or overseas; new for old replacement on most items; cover for your beloved pets; generous worldwide Personal Liability cover. And these are just for starters.

1Cover proudly provide the best home insurance for storm, lightning, rainwater and water or liquid damage, fire and smoke damage, earthquake, malicious damage, riot and civil unrest, explosion, impact and accidental damage.

With 1Cover, you'll not only get the best home insurance you'll get the most economical home insurance quote as well. You can choose to pay by the month at no additional cost and you have the security of our 21-day money back, no claim guarantee. Why not click through now for a quote.