After the cyclone We only bought a lounge suite, tv, surround sound, coffee table, dining table, tv unit, jug, toaster. And that cost us $7000. Basic tab Curtains for our house cost $800!!! (For 5 windows) is just ridiculous.
When everything we owned was gone the last thing we wanted to worry about was having enough money to buy new things. With no insurance it was really hard. Mum lost everything and still has not recovered financially and the fire was 4yrs ago.
Yep i buy target everything.....never had an issue
It never ceases to amaze me how many people are underinsured in general.
I want to strangle clients when they come in after having a car accident and tell me that they are uninsured.
Our contents is around $170k and with building insurance is only around the $1000 mark per year
We're with NRMA and have put in two claims in the past - one was terrible as it was a lightning strike - the older appliances survived and all the brand new ones, including two new computers, sound system, etc. for our work both got hit and were never replaced even though they never worked properly again. The second claim went fantastically though as the claims worker we got had just had the same thing happen to her.
For $130K contents and building insurance (enough to cover demolish and rebuild - can't remember what it is now - it was over-insured and we dropped it back after looking into building a house), we pay around $1300 a year. We got married in the old days so our negatives are elsewhere! Have portable insurance on rings. I think NRMA is expensive but it's convenient as we have the whole lot with them...except health.
If you want to lash out and buy brand names or expensive items, then it makes sense to adjust your premium accordingly but for average, everyday items you can keep the premium quite low and that works for me.
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