Australian property related insurance, which must be bought

In modern life, insurance can be closely linked to our lives, there are many insurances, almost anything can buy insurance, even buying a house can also buy insurance, buying insurance for real estate may not be very common in China, but it can be said to be very common in Australia, in Australia, people often buy insurance for the first time after buying a house, so what are the Australian property-related insurance, which should be purchased, let's find out next.

Why buy insurance when buying a house.

If you say to buy insurance, you must have seen a lot, but buying insurance for the house is not understood by everyone, in fact, when buying a house, insurance has always been related to us, for why buy insurance to buy a house, the main thing is to have more protection, and buy insurance to buy a house, some are necessary, and some are voluntary, for example, when buyers buy a house with a loan, most banks have "mandatory" regulations, and must buy "personal mortgage home insurance" at the same time. And there are also some insurances that homeowners can choose from, such as home contents insurance, comprehensive insurance, etc.

For housing insurance, in fact, it is not very common in China, most people do not have too strong awareness in these aspects, but in Australia it is different, Australians attach great importance to property insurance, in Australia, people after buying a property, whether they live or rent to others will choose to buy insurance, but also to minimize the loss of accidents and disasters, and many of its tenants will also have requirements in this regard, so Australian real estate is inseparable from insurance.

What insurance is required for Australian properties?

At present, there are three most common types of insurance in the Australian property market, they are: home insurance, home contents insurance and landlord insurance, each of which has its own role and purchase value, as follows.

1. Housing insurance.

Home insurance mainly covers some natural disasters such as fires, flood disasters, wind disasters, etc., as well as the damage caused by traffic accidents to the house, and is purchased to protect the loss of the house structure due to force majeure events. It mainly covers the part related to the structure of the house, and the structural damage to the house caused by non-homeowner factors can be covered by this insurance.

2. Housing property insurance.

Home contents insurance is for the interior decoration and interior contents of the house, including the furniture, appliances and property in the house can be covered by this insurance, mainly for accidental damage and theft.

3. Landlord insurance.

Landlord insurance may not be heard of by many people, this is mainly for the homeowner of the house rental, mainly for the following situations: tenants default on rent, breach of contract, destruction of property, accidental losses and other things that may occur during the rental process, so for landlords, buying this insurance is more secure, renting is more secure.

How much does Australian property related insurance cost?

Generally speaking, these three types of insurance are often required to buy Australian real estate, of course, the cost of insurance is not fixed, for example, home property insurance needs to be based on the amount you insure for all items, the higher the total value, the higher the cost, it should be noted that jewelry, antiques and other valuables must be explained in order to receive compensation.

In order to ensure the peace of mind of your trip to Australia, it is recommended that you purchase a suitable travel insurance before going abroad. When you go to Australia to watch a tennis match, which way to buy PICC travel insurance?

At present, there are many sales channels of PICC overseas travel insurance, among which online insurance is the most popular, not only the premium is affordable, but also the insurance operation is convenient, you only need to click the mouse to complete the insurance and payment. In addition, it needs to be reminded that although PICC overseas travel insurance is well-known, but for your specific Australian travel protection needs, insurance may not be the best, it is recommended that you may wish to expand the scope of choice, come up to a comprehensive comparison and purchase, you need to pay attention to the following points before applying:

1.If you travel to Australia and have a long itinerary, the insurance amount is recommended to be no less than 300,000 yuan.

2.Overseas travel insurance needs to cover your entire trip. Make your trip all the way insured.

3.When purchasing outbound travel insurance, pay attention to whether international emergency evacuation services are included. Since it is difficult for domestic insurance companies to spread their outlets abroad, outbound travel insurance products are usually in cooperation with international emergency rescue companies.

Whether you lose your wallet or your passport while you're out there, you can call for help**, and some major international insurance companies also offer Chinese-language services.

4.Choose the right insurance platform, buy on it, you can compare the products of multiple insurance companies, and then choose the product that best suits your protection and travel needs. Insurance is also very simple and convenient, on the homepage, free registration of members, log in to choose your favorite product, select the protection period, you can buy immediately.

**Cheap, the whole insurance process is clear and transparent, eliminating the layers of trouble of intermediaries**, lower premiums, and stronger autonomy. When you go to Australia to watch a tennis match, you must do a good job of safety and security before departure, PICC travel insurance is not the only insurance option for you, the Australian travel insurance provided on it is not only a wide variety, but also has affordable premiums, you are welcome to come and buy. GamingWorldwide Overseas Travel Protection Plan Diamond Plan Benefits:

Emergency rescue medical insurance 1 million yuan * 500,000 yuan each for illness + accident medical compensation (overseas direct payment is provided) * Up to nearly 30 kinds of protection responsibilities, rich protection responsibilities as low as: 20 yuan Sun United Peace of Mind Overseas Travel Protection Plan (including the United States and Canada) Plan A Coverage content: * Medical compensation of 300,000 yuan * 24-hour global medical assistance * Coverage of skiing, diving, horseback riding and other popular entertainment activities as low as:

From $52. Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! When you travel to Australia, from the day you step out of the house to the time you return home, there are so many unexpected things that happen on the way: flight delays, lost documents, unexpected illnesses, traffic accidents, lost luggage, ......All of these are the so-called risks of the journey.

The risk is incomprehensible, who can guarantee that your trip will be smooth sailing and perfect beauty? Purchasing travel insurance for visitors to Australia will allow you to minimise your losses.

Australia Travel Travel Insurance Purchase Note:

1.Before you travel, consider the risks of your trip, such as flight delays, and purchase a travel accident insurance product with comprehensive coverage.

2.Carry your emergency assistance card and insurance policy with you to make the most of the services provided by the insurance product.

3.If you encounter flight delays or cancellations abroad, you should call the service of the insurance company in time to report the accident after returning home.

Hello! Australian travel insurance is not a mandatory type of insurance, but there are many uncertainties when traveling to Australia, such as illness due to regional differences, etc., which will not only affect your travel mood, but also bring economic losses. Therefore, it is important that you have a suitable insurance policy before you travel.

When you apply for insurance, in addition to paying attention to "insurance rescue", protection period and other content, you should also choose the right platform. The products offered on are not only varied, but also have affordable premiums, making it the best choice for you to insureAllianz Australia Travel Insurance Plan IIThe American and Asian "International Travel" International Travel Insurance Plan Australia Travel PlanIt is recommended that you give priority to it.

The three-year Australian visit visa requires the applicant to buy the first 12 months of insurance before the visa can be approved, which is the visa clause. It is best to buy insurance in Australia when buying insurance, as they usually meet the requirements of the Australian Immigration Department. Usually the insurance premium is about 1,500 Australian dollars, which is about 7,500 yuan according to the exchange rate of 5.

If you have not stayed in Australia for 12 months, you can explain to the insurance company before leaving, record the time, and continue to use this insurance next time you go to Australia, and the insurance time is calculated according to the actual time of stay in Australia. In addition, although the immigration bureau only requires you to buy insurance before the visa is approved, the next time you enter Australia, if the insurance has been used up, you still need to consciously buy it.

Have a free consultation!

Hello! The best overseas travel insurance depends on your specific travel plans!

As for how to buy overseas travel insurance? Here are a few suggestions::

1. The amount insured should be moderate. For travel to countries with high medical costs such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan; To travel to Thailand, Malaysia and other countries, the amount of medical insurance is about 100,000 yuan.

2. Rescue** to remember. Consumers should have a detailed understanding of the content of emergency rescue services and the service level of overseas rescue companies that provide such services, so as to make the best choice.

3. You don't need to carry the insurance policy with you.

When applying for overseas travel insurance, it is important to see whether the medical expenses are "paid in advance" or "reimbursed afterwards" after the accident, and it is best to choose insurance that pays the medical expenses in advance. When applying for overseas travel insurance, it is important to read the corresponding terms and conditions of overseas travel insurance.

I don't know your personal situation, so I can only recommend that you go to the insurance company or some professional online insurance platform for detailed comparison and consultation based on the actual situation.

Didn't say you had to buy insurance, did you?

Australian property fees include home insurance premiums.

Taking the purchase of a Melbourne house as an example, the cost of buying a property can be divided into two types: direct costs usually refer to the cost of **, including stamp duty on the purchase of the property and the title deed registration and transfer fees levied by the Title Deeds Authority. Among them, the stamp duty is divided into four grades according to the house **:

The room price is less than $20,000 and is levied; below $10,000 will be levied by subtracting $200; Below $870,000, 6% minus $4,340, including $1,323 for title transfer registration fees and $92 for loan registration fees from the Titles Authority.

Indirect costs are also non-** expenses, such as lawyer fees, loan fees, home insurance, loan insurance, etc. It can be roughly divided into 650 Australian dollars for legal fees, 600 Australian dollars for loan fees, 350 Australian dollars for home insurance and 300 Australian dollars for other adjustments. If the property is worth $500,000 according to the appeal rate, the purchase of the house will incur about $28,975 in costs, $1,500,000 to $2,000,000 in maintenance costs, including property management fees, Australian property taxes, etc.

To sum up, the specific Australian real estate tax can be divided into: stamp duty, mortgage registration fee, land transfer fee, municipal construction fee (including all similar to garbage collection fees, regional park maintenance fees, etc.), land account name registration fee, water fee (including the provision of clean water and drainage services). Other related costs:

Home Conveyancing Costs, Home Insurance and Home Contents Insurance, Mortgage Protection Insurance, Home Inspection Fees.

Inclusive.

The strata levy you pay consists of two parts: administration fee and sinking funds

The first is the management fee, which can be translated as the management fee, which is the daily maintenance of the property by the property company and the money they earn, including the electricity fee in the common area, the green maintenance fee in the common area, and so on.

The second part of sinking funds can be translated as maintenance**, which is to continuously save for large repairs to the house, including the cost of roof tiles, exterior wall painting and other large work.

And the housing insurance premium you are talking about should refer to the construction insurance of the house, that is, in case of a fire, etc., the insurance company pays for the house, and this insurance premium is paid by the first part of the property fee administration fee.

The financial insurance in the house is another kind, and your own family buys it separately according to your own situation.

No, the strata fee only includes some environmental maintenance or something.