How To Save On Home Insurance Premiums

SHOP AROUND

There are many options available, which in some cases offer different features or benefits. Once you ascertain how much you want to insure your property for, call a few insurers and get a quote.

INCREASE YOUR EXCESS

Most insurances routinely set a level of excess to your policy.  An excess is an amount of money which you will need to pay whenever you lodge a claim against the insurer.  For example, if you are robbed and the estimated amount of stole goods was $5,000 and your policy has an excess of $1,000, you will only receive $4,000 from your insurer.

Increasing your excess will result in a lower premium, as you are taking on more risk off the insurer.  Obviously, you need to understand how a higher access would affect you and consider if you are able to pay the excess amount if needed.

INCREASE YOUR HOME SECURITY

Having a security system, cameras, security doors and other methods of security, generally are viewed positively by insurance companies, resulting in lower premiums.

FIND OUT HOW MUCH YOUR ASSETS ARE REALLY WORTH

Sometimes we can overestimate the value of our possessions overlooking the age of the item, and the overall condition. Use a handy calculator to get an idea of how much the stuff in your house is worth and establish an accurate overall figure for your insurance.

TIP If necessary, obtain advice from an insurance broker on the best way to value your belongings.  Overestimating the value will result in a higher premium but underestimating can make it difficult to replace your assets if a claim occurs.

BEWARE OF RISING RENEWAL PREMIUMS

Insurance renewals can result in your insurer automatically adjusting the value of your insurance automatically.  Ensure you review your policy and if you believe that the increase of your policy is too high, contact your insurer and ask for an adjustment.

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Why Choose Brisbane Home Loans

You're In Good Hands

Brisbane Home Loans is all about good old fashioned personal service without exception.

We Find The Right Deal For You

We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

Ongoing Comittment

We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

One Stop Lending

We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

How We Work With Our Clients

We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

What Does A Mortgage Broker Do

Listen and Evaluate Your Needs
Calculate How Much You Can Borrow
Compare Options Available to You in The Market
Provide You Expert Advice
Do All The Leg Work
Obtain Pre-Approval For You
Create A Plan For You To Ensure Your Always Getting The Best Deal
Most Importantly We Provide This at No Cost To You

Testimonials

Request a call Back.

Would you like to speak to one of our financial advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

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    • All
    • First Home Buyers Loan
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    Why Choose Brisbane Home Loans

    You're In Good Hands

    Brisbane Home Loans is all about good old fashioned personal service without exception.

    We Find The Right Deal For You

    We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

    Ongoing Comittment

    We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

    One Stop Lending

    We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

    How We Work With Our Clients

    We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

    The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

    Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

    Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

    We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

    Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

    What Does A Mortgage Broker Do

    Listen and Evaluate Your Needs
    Calculate How Much You Can Borrow
    Compare Options Available to You in The Market
    Provide You Expert Advice
    Do All The Leg Work
    Obtain Pre-Approval For You
    Create A Plan For You To Ensure Your Always Getting The Best Deal
    Most Importantly We Provide This at No Cost To You

    Testimonials

    Request a call Back.

    Would you like to speak to one of our financial advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

      Immediate Response: