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Insurance for Home, Car, Boat and Travel

Insurance made easy with Ausure Rutherford Street Insurance Services

Ausure Rutherford Insurance Services can provide a quality solution for your Personal Insurance needs.

Having the right insurance in place is an essential part of protecting your most prized possessions. Ausure Rutherford Street Insurance Services can work with you to provide a tailored insurance solution for your Home Insurance, Car Insurance, Boat Insurance and Travel Insurance.

We work with Australia’s most reputable Personal Insurers; including Blue Zebra, CGU, QBE, Hollard, Allianz, 360 Underwriting, CHUBB and Clover – to get you the right cover at a price that fits with your budget. Chat to our team of insurance broking specialists to protect what’s important to you.

Important things to know when comparing insurance for your home, boat, car, travel and more.

  • Accurate Information: When applying for insurance, it’s crucial to provide accurate and complete information about your circumstances. Failing to disclose relevant details could lead to denied claims or reduced payouts.

  • Regular Updates: Keep your insurance provider informed about any changes in your situation. For instance, if you renovate your home, acquire new possessions, or modify your vehicle, update your policy accordingly to ensure proper coverage.

  • Travel Insurance Limitations: Travel insurance may have specific exclusions for pre-existing medical conditions or activities such as extreme sports. Review these details to avoid claim denials.

  • Policy Renewals: Review your policies annually before renewal to ensure they still meet your needs and circumstances.
  • Policy Exclusions: Be aware of the exclusions listed in your insurance policy. These are situations or events that are not covered by the policy. Understanding these exclusions helps you avoid surprises when making a claim.

  • Read the Fine Print: Carefully read and understand your insurance policy’s terms and conditions. Each policy has specific coverage limits, deductibles, and requirements for making claims.

  • Valuables and High-Value Items: If you own valuable items like jewelry, artwork, or electronics, they might not be fully covered under standard policies. Consider adding extra coverage or specifying these items to ensure they’re adequately protected.

  • Documenting Valuables: Keep records of your valuable possessions, including receipts, appraisals, and photographs. This documentation can help expedite the claim process.
  • Regular Maintenance: Regularly maintaining your home, boat, car, or motorcycle can prevent issues that may lead to claims. Neglecting maintenance might affect your coverage eligibility.
    Claim Reporting Timelines: Inform your insurer about a potential claim as soon as possible. Delayed reporting can sometimes lead to complications in processing the claim.

  • Underinsured and Overinsured Property: Regularly assess your insurance coverage to ensure your property is neither underinsured (not fully covered) nor overinsured (paying for more coverage than needed).

  • Impact of Claims History: Frequent claims might lead to increased premiums. Consider whether it’s worth claiming for minor damages or if it might be more cost-effective to cover them yourself.

What types of Personal Insurance cover are available?

Home and Contents Insurance

This insurance provides coverage for your home and its contents against risks such as fire, theft, storm damage, and more. It helps you repair or replace your home and belongings if they're damaged or lost due to covered events.

Travel Insurance

Travel insurance covers unexpected events while you're traveling, such as trip cancellations, medical emergencies, lost luggage, and more. It ensures you're financially protected during your journeys.

Car Insurance

Car insurance offers protection for your vehicle against accidents, theft, and damage. It typically includes options such as third-party liability, comprehensive coverage, and more tailored policies based on your needs.

Motorcycle Insurance

Similar to car insurance, this coverage protects motorcycles against accidents, theft, and damage.

Boat Insurance

Boat insurance provides coverage for watercraft against damage, theft, and liability while on the water. It's designed to safeguard boats, yachts, and other marine vessels.

Jewelry and Valuables Insurance

This insurance covers high-value items like jewelry, artwork, and collectibles against loss, theft, or damage.

Personal Accident Insurance

This coverage provides financial assistance in case you suffer an injury or accident that leads to temporary or permanent disability. It offers compensation for medical expenses, loss of income, and related costs.

Landlord Insurance

If you're a property owner renting out your property, landlord insurance offers protection against risks like damage caused by tenants, rent defaults, and legal expenses.

Our Insurer Partners

Let us do all the hard work for you! We compare policies from multiple insurers to ensure you have the right policy, the right price and most importantly – the right coverage.
CHUBB
Allianz
QBE
Blue Zebra
Let us help you with Personal Insurance Ausure Rutherford Insurance Services Insurance today.

Prefer to meet in person? Find your local broker here.

Not sure what you need or prefer to get a full risk review? No problem, submit your enquiry here and we will get back to you.

Ausure-Insurance-Services-Sunraysia

Ausure Rutherford Street Insurance Services are part of Australasia’s largest general insurance broker network, the Steadfast Group. We leverage Steadfast’s scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy options, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of Steadfast behind you.

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