We are not going to pull any punches against our competitors, there are some cheap nasty policies out there. As far as it goes, you get what you pay for. The recent floods in Australia have shown us the importance to make sure we look at the policies we buy and we ask questions, NEVER focus just on the price.

Home and Contents Quote

At Elliott Insurance we provide up front and honest information that some of the others out there leave for the small print. Let’s start by answering some of the questions you may have right here.

Does Elliott Insurance cover for Flood?

All of our online Home Insurance Products cover flood, it’s a minimum requirement we place on all the insurers we deal with. And when we say flood is covered we mean it, we don’t hide behind a definition technicality to say that water damage is covered but water damage caused by flood is not!

What’s my limit for valuables cover?

We have two policies available and both have different limits:

Defined Events Home Insurance

Per Item Limit – $5,000

Per Claim Limit – 25% of the total contents sum insured

Keep in mind that the defined events policy covers for inside your residence only. Should you wish to insure contents away from the home then you must specify them as “Special Valuables”.

Accidental Damage

Per Item Limit – $10,000

Per Claim Limit – 25% of the total contents sum insured

The Accidental Damage policy covers your valuable anywhere in the world for accidental loss or damage as per the terms and conditions of the policy.

One of the major benefits of both policies is the per claim limit. Most insurers limit you to a dollar figure, (some insurers as low as $2,000) however with our cover it is always relative to your total sum insured.

What is my excess?

We don’t just quote you a low price because we have high excesses, you select the excess you want. Most online insurers quote you a price with a $500 or more excess to make their price look better. Elliott Insurance let you select an excess between $200 to $1,000, it’s up to you.

How much should I insure my building and/or contents for?

We can never tell you how much you should insure your contents for, this is something you must decide yourself. We have however help you get there. Just visit the Are You Under Insured tab on the Top of the page in our tool bar and we have lots of free help and advice including our building and contents calculators which are available for your use free of charge.

Are renovations covered?

Once again this is something that many insurers have a very low tolerance on and they have very low limits on renovations, some as low as $10,000. This means that should you be in the process of renovations in excess of $10,000 then your policy would be null and void and the insurer has the right to decline a related claim.

At Elliott Insurance all our policies have a limit of up to $75,000 for renovations. Don’t forget however, this does not cover the new renovations, it only covers the existing contents and structure.

Home and Contents Quote

  • John went beyond the call of duty to assist me when I had a car accident outside of business hours. He put my mind at rest and processed my claim in a friendly and efficient manner. I would not hesitate to recommend him to my friends / colleagues / clients

    Hilary HollidayHired John more than once

  • I love the fact that I can pick up the phone and call and talk to you and things happen straight away

    KyleaTimberden Plant Hire

  • Thanks to David Powell for all his great work!

    HeidiAustralia

  • Just want to quickly say that Haylee from the WA office is absolutely amazing! When the VBA stopped us at every turn trying to renew my partner's licence Haylee went above and beyond with stay back late to countless back and forth emailing until the VBA were satisfied. Props to you Haylee, you don't get customer service like that anymore!

    PriscillaAustralia

  • I can confidently say I have never received a better and more personalised service in the insurance industry than what Jodie has done for me.

    Elliot MooreAustralia

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