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Securing your home and belongings

Protect what matters most to you. Whether you are a home owner or you are a renting, you want to make sure you have the best possible insurance cover to protect your home and your personal belongings.

 

You can start by speaking with COTA about your situation, we can help you arrange insurance options, to help protect your home and contents. Hot risk items such as laptops, jewellery or mobile phones and video game consoles will need to be listed separately to make sure they are insured up to their full value.

 

It is important for homeowners and renters not to be complacent. Discussing your home and contents insurance with COTA Insurance can help you to make sure you have the right cover, as some items such as mobile phones and jewellery will require to be listed on the policy to be insured for their full value. If you’re planning on going away, it is good to review your current policy coverage. If you’re planning on going away over a long period of time, you may need to notify your insurer. Depending on how many days you are away, this may change the terms, conditions and coverage of your policy. Talk to COTA Insurance, they can help you to find out more about how this may impact you.

 

Some additional measures you can take to safeguard your home and possessions, like not leaving expensive items like technology, jewellery, or cash vulnerable to thieving eyes keep your valuable items out of sight before you head out.

 

Burglars  don’t want to spend a long time in your home, preferring to quickly swipe items they can easily spot and carry – like car keys. According to the National Motor Vehicle Theft Reduction Council, a car is stolen every 12 minutes in Australia^^. Offenders may swipe the keys and immediately drive off with the vehicle, or return later to do so. Make sure to store any car keys in a difficult place to find, to help reduce the chance of them being stolen.

 

As good as your hiding spots may be, you might want to consider installing a home security system. An efficient system should feature door and window sensors, glass-break detectors, motion sensors, and for an additional layer of protection, consider video surveillance. Doing so may mean that in the event of a break-in, the footage may help police identify the offender.

If you would like to discuss your insurance needs, contact COTA Insurance on 1300 1300 50 or visit www.cota.com.au

 

 

 

Insurance and Membership Services Limited ABN 59 057 159 743, AR No 246235 trading as COTA Insurance (COTA, we, or us), arranges these insurances as agent of the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL No. 234708 (except Travel, Boat, Pet & Life insurance). For travel insurance, COTA is an authorised representative (AR No 246235) for nib Travel Services (Australia) Pty Limited ABN 81 115 932 173, AFS Licence No. 308461. This insurance is underwritten by XL Insurance company SE, Australia branch (ABN 36 083 570 441). Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. Policy terms, conditions and exclusions apply. You should read and consider the relevant Product Disclosure Statement available on the website before deciding whether to acquire any product mentioned. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 0.3% to 30%. Allianz also pays us a percentage of the profit which exceeds the agreed profit threshold for Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged by us or renewed with Allianz in each calendar year, provided that the agreed premium threshold is met for these products. Additionally, we receive a marketing allowance from Allianz every 2 months, which is a percentage of the total premium earned on these policies in the previous 2 months. Ask us for more details before we provide you with services.

References

^www.theguardian.com/news/datablog/interactive/2014/jan/19/burglaries-australia-statistics-interactive

^^carsafe.com.au/motorists

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