Home and earthquake insurance providers

Overview

Home insurance is offered by major insurers and online providers, covering fire and (attached) earthquake risk. Premiums depend on location, structure, coverage limits, and options, and earthquake cover is capped and recovery-oriented. The lender or agent may receive commission on a bundled policy, so compare external quotes where permitted rather than assuming the lender’s offer is best.

Fees and conflicts to check

The lender or agent may earn commission on a bundled policy; compare external quotes where permitted.

What to verify before you rely on it

In short: Fire and earthquake cover from major and online insurers; Premiums depend on location, structure, limits, and options; Earthquake insurance must be attached to fire insurance and is capped; The lender or agent may receive commission — compare external quotes.

Whatever the category, establish three things before you rely on a provider: what kind of business it actually is (a licensed broker, a portal, a referral or media business, a manager, or an independent professional), how it is paid (by you, by the seller or lender, or through referral), and whether its advice is therefore independent of the transaction it is recommending. Ask for fees in writing, verify any licence and disciplinary record through the official registries, and treat a free service as one paid by someone else — usually an advertiser, a lender, or the seller. An English-language website tells you nothing about representation, so confirm whose interests the provider serves in your specific deal.