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

  • Thank you for handling my claim quickly and simply and justifying the value of a broker :)

    NovenAustralia

  • Because of our confidence in your abilities we have recommended several people to “just give you a try”, and under our recommendation they have. They have been extremely pleased as they received the same courtesy and efficiency that we receive. Equally as important you have been able to secure them with a better insurance coverage for a lower premium, all without fuss.

    Jacqueline Hannay and Stuart SmithPersonal insurance clients

  • Appreciate you taking to time to acknowledge my email! Your still so far the only person to do that since I've been really delving into business. That's why you'll always be my number one for insurance :)

    JoshAustralia

  • 11 out of 10. Love your work

    Daniel GomerDirector Hippo Creek Restaurants

  • No customer is going to be unhappy with this kind of saving! Seriously, always easy to get it done with Dave and service is great!

    Rod MacKenzieAustralia

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