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Fleur Bailey is a blogger based in Brisbane Australia.

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Insurance – nobody likes having to pay endless premiums - until you need to make a claim.  Then, of course, it all seems worthwhile!  Well, it is if you have the right type of insurance and you have enough of it.

 

Interestingly, most Australian households are underinsured.  In an effort to save some money and reduce the ongoing cost of premiums, should the worst happen, many Australians would find it difficult to resume their standard of living after an insurance payout.

 

Another reason for underinsurance is that people simply don’t understand what is, and what isn’t, covered under their insurance.  Reading that fine print is just plain boring …

 

Some of the most commonly held insurances are that of home and contents insurance.  Most Australians have at least one and some have both. But do they cover your garden, trees, plants or landscaping features?

 

Types of Insurance