We are near a river so have opted for cover that includes flooding and pay $170 a month. Its expensive but most of the cheaper options would not cover flood damage, I wonder if the fire risk may be why yours is so high. Have you got a few quotes? We had another quote for $220!
Ours would be about $1200 per year from memory, but we also have public liability insurance included in that. think it sounds like a reasonable amount to pay though. You could probably also drop back the contents a bit too - the way we see it, there is a lot of stuff that we have, that can't be replaced kwim? And a lot of stuff that we probably don't *need* to replace either, so for a family of 6, our contents insurance would only be about $85k?
About $1000pa this time around (up 30% ) About $90k for contents and "unlimited rebuild" as in they put back another 3 bedroom house of similar size with technically no set budget. The fire overlay has moved to now cover our house plus they have hit us with flood coverage this time. (we don't really need flood cover where we are)
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) About $90k for contents and "unlimited rebuild" as in they put back another 3 bedroom house of similar size with technically no set budget. The fire overlay has moved to now cover our house plus they have hit us with flood coverage this time. (we don't really need flood cover where we are)
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