Auswide Insurance Brokers

  When beginning a new construction or renovation project, there’s a critical—but often overlooked—feature builders need to get right: insurance cover for existing structures . Navigating this part of your insurance can make a substantial difference to your risk exposure and help ensure projects run smoothly, even if things go wrong. What Are Existing Structures? Existing structures refer to any buildings or other permanent fixtures already on a project site before a single tool is lifted for construction. Unlike new builds, these structures are often at risk during the works, and their protection requires careful consideration within your insurance planning. Who Is Responsible For Insurance? Typically, it is the property owner’s responsibility to insure their assets. However, building contracts occasionally assign this responsibility to the builder during the construction period. To avoid future disputes, both parties should clarify—and document—who will maintain insurance cover f...

  When beginning a new construction or renovation project, there’s a critical—but often overlooked—feature builders need to get right: insurance cover for existing structures . Navigating this part of your insurance can make a substantial difference to your risk exposure and help ensure projects run smoothly, even if things go wrong. What Are Existing Structures? Existing structures refer to any buildings or other permanent fixtures already on a project site before a single tool is lifted for construction. Unlike new builds, these structures are often at risk during the works, and their protection requires careful consideration within your insurance planning. Who Is Responsible For Insurance? Typically, it is the property owner’s responsibility to insure their assets. However, building contracts occasionally assign this responsibility to the builder during the construction period. To avoid future disputes, both parties should clarify—and document—who will maintain insurance cover f...

  Home Owners Warranty Insurance, now referred to as Home Building Compensation Fund (HBCF) cover in regions like New South Wales, is a critical safeguard for anyone building, renovating, or buying recently completed homes. It offers specific protection against financial losses arising from defective or incomplete building work, ensuring peace of mind for homeowners as well as accountability within the construction industry. What is Home Owners Warranty Insurance? Unlike traditional home insurance, which focuses on risks like fire, theft, or natural disasters, Home Owners Warranty Insurance or HBCF is designed to address issues related to defective building work and materials. This specialised insurance protects homeowners if their builder cannot rectify a problem due to death, insolvency, disappearance, or loss of licence following a tribunal order. Key Coverage and Exclusions Structural Defects: HBCF offers protection for severe issues such as foundation failures, structural move...

  When it comes to protecting your home, having the right residential insurance can make all the difference. Your house isn’t just bricks and mortar—it’s where your memories are made, your family feels safe, and your hard-earned investments are secured. At Auswide Insurance Brokers , we understand that every homeowner’s needs are unique, and we pride ourselves on offering personalised insurance solutions that give you peace of mind. Why Residential Insurance Matters Your home faces many risks every day—storms, fire, theft, and accidents can strike when you least expect them. Residential insurance ensures that, no matter what happens, you won’t have to carry the financial burden alone. With the right policy in place, you’ll not only protect your property but also all the belongings that make your house feel like home. What Auswide Insurance Brokers Offers At Auswide Insurance Brokers, we work with a wide range of trusted insurers to give you the best options for your specific needs...

Safeguarding your business means protecting not only your ideas and your people—but also the physical assets that keep your enterprise running. Here’s a comprehensive guide to understanding and maximising the benefits of commercial property insurance in Australia. What Is Commercial Property Insurance? Commercial property insurance is designed to protect Australian businesses against loss or damage to their premises and physical assets following unexpected events such as fire, storms, theft, or vandalism. It can cover the building itself, business contents, inventory or stock, and the costs related to business interruption following an insurable event. Why Is This Coverage So Important? A single damaging event—whether a burst pipe, break-in, or natural disaster—can lead to significant out-of-pocket expenses, lengthy downtime, and even threaten the future viability of a business. For this reason, many landlords require tenants to have proof of cover, banks may mandate it before appro...