Monday, May 20, 2024 Insurance Claim Rightly

Mark Hayes
Mark Hayes
Mark Hayes leverages over 7 years of clinical experience and a nursing degree from Johns Hopkins to provide accessible, evidence-based health and wellness guidance. His articles make complex medical topics understandable through research and practical expertise. Hayes is a trusted voice exploring nutrition, fitness, treatments, disease prevention, and more to help readers live healthy, balanced lives.



Finding the right insurance for my home has always been a priority for me. As a homeowner, I want to make sure my biggest investment is properly protected. So when I was looking for home insurance providers in Perth, I came across Insurance.

In this article, I’ll share my experiences with this company – how I learned about them, why I chose them, the insurance coverage they provided, and the claims process. The goal is to provide a first-hand account that can help other homeowners looking for the right insurance provider.

Discovering Insurance Insurance Insurance

I first learned about Insurance when I was searching online for home insurance quotes in Perth. Their website popped up in the results, so I decided to check them out. I liked that they were a local company focused on the Perth market.

As I dug deeper into their background, I found out they are actually affiliated with Open House Perth, which is a non-profit organization that promotes architecture and design in the city. This gave me confidence that they were a reputable company invested in the local community.

I also appreciated that they offered customized policies. On their website, they promoted the ability to choose only the coverage you need. This appealed to me since I didn’t want to overpay for unnecessary coverage. Their focus on flexibility and customization made me think they could provide tailored protection for my home.

Getting a Quote and Buying My Policy 

After reviewing Insurance online, I decided to get a quote. Their website made it very easy. I simply entered my address and some basic information about my home. Within minutes, I had a customized quote for coverage.

I was able to pick and choose from different coverage options to build my ideal policy. For instance, I opted for:

  • Fire damage coverage
  • Theft protection 
  • Liability coverage in case someone got injured on my property
  • Flooding protection
  • Coverage for roof and walls

I could adjust the coverage amounts and deductibles to meet my budget. After tailoring the policy to my needs, I went ahead and purchased it right on their website in a matter of minutes. The whole process was simple, fast, and transparent.   

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My Insurance Coverage Details Insurance Insurance

Here is an overview of the key coverage I received with Insurance:

  1. Property damage: Up to $300,000 in protection for damage to the structure of my home, including the roof, walls, and foundation.
  2. Plumbing and appliance coverage: Up to $5,000 to repair or replace items like burst pipes and malfunctioning appliances.
  3. Personal belongings coverage: Up to $75,000 to replace or repair personal items if they are stolen, burned, or damaged.
  4. Liability insurance: Up to $1 million in coverage for injuries that occur on my property.
  5. Flood insurance: Up to $200,000 in protection in case of flood damage.
  6. Emergency accommodation: Up to $15,000 to cover the costs of living elsewhere if my home is uninhabitable. 

I was very satisfied with the extent of coverage provided in my policy for a very reasonable monthly premium.

The Claims Process  

A few months after purchasing my policy, I unfortunately had to file a claim due to some storm damage. Some heavy winds had knocked down a big tree branch that fell on part of my roof and fence. 

I filed the claim easily through their website. I filled out a claims form describing what happened and submitted photos of the damage. Within 24 hours, I received a call from one of their claims specialists who reviewed my case. They assured me the damage would be covered and they would send an assessor to evaluate the cost of repairs.

The assessor inspected the damage and provided an estimate for the roof and fence repair costs. Insurance approved the claim quickly and issued payment for the repairs. The whole process was smooth and efficient. I was pleased that I received such responsive support.

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Why I Recommend Insurance

Based on my first-hand experience, here is why I recommend Insurance for homeowners’ coverage:

  1. Local expertise: With their specialized knowledge of Perth’s insurance needs, they provide tailored coverage. 
  2. Flexible policies: The ability to customize coverage provides cost savings and protection that fits your unique situation.
  3. Quick quote and purchase process: Getting a quote and buying a policy can be completed online in just minutes.
  4. Reasonable rates: Their rates are very competitive, providing strong coverage for fair monthly or annual premiums.
  5. Responsive claims service: The claims process is efficient and hassle-free. Their team guides you each step of the way.
  6. Strength of coverage: The policies provide comprehensive protection for your home and belongings.

For me, Insurance checked all the boxes for what I wanted in a home insurance provider. Their customized approach, reasonable prices, and stellar service made them the right choice to protect my most valuable asset.

Common Questions about Insurance

For those still evaluating Insurance, here are answers to some frequently asked questions:

What types of homes do they cover?

They provide policies for houses, townhomes, apartments, and condominiums across Perth. Both rented and owned properties can be covered.

What levels of coverage are available? 

They offer customizable coverage from basic policies up to more comprehensive platinum policies. You can add protection for valuables or tailor water and flood damage coverage.

How does pricing compare to competitors?

Their premiums are very competitively priced. Bundling your home and contents coverage can also help minimize costs.

Can I get a quote without providing personal information?

Yes, you can get an anonymous quote by entering just your address on their website. No email or contact details required.

How long does the claims process take?

For straightforward claims, you can expect payment within 1-2 weeks. More complex claims may take 2-4 weeks but they work to resolve them as quickly as possible.

Can I manage my policy online?

Yes, through their online portal you can view your policy, make payments, adjust coverage, and file claims digitally 24/7.

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Overall, I’ve been extremely satisfied with my decision to get my home insurance through Insurance. Their policies check all the key boxes in terms of price, coverage, and service.

With my home properly insured, I have great peace of mind knowing that unexpected damages or losses won’t be financial devastating. If you’re looking to protect your home and belongings, I highly recommend connecting with Insurance to discuss your needs and get covered.