Bahay at ari-arian sa Australia: Alamin paano gumagana ang insurance ng bansa

Ang home at contents insurance ay panangga sa oras ng sakuna. Pero kahit mga eksperto, nahihirapan din itong intindihin. Kung ikaw man ay may-ari o nangungupahan, mahalagang malaman kung ano ang coverage ng insurance mo, basahin ang mga detalye sa kontrata, at alamin kung paano kontrolin ang taas ng bayarin. Makakatulong ito sa tamang desisyon bilang konsumer.

According to an Actuaries Institute report, as of March 2024, 15 per cent of Australian households were under home insurance affordability stress, meaning premiums cost them over four weeks’ income. Source: Moment RF / Traceydee Photography/Getty Images

Key Points

• Laging suriin kung ano ang kasama sa coverage at hindi ng iyong insurance, lalo na sa mga panganib sa bahay at gamit mo.
• Iba-iba ang sanhi ng pagbaha, at hindi lahat ay kasama sa polisiya ng coverage.
• Kumuha ng mga quote mula sa iba’t ibang insurance company bago bumili o mag-renew ng home at contents insurance.

LISTEN TO THE PODCAST

Bahay at ari-arian sa Australia: Alamin paano gumagana ang insurance ng bansa

SBS Filipino

08:07Filipino

May dalawang pangunahing uri ng household insurance: building insurance para sa mismong bahay, at contents insurance para sa mga gamit sa loob nito.

Make an inventory of contents you want ensured and go through it ticking off each item estimating their worth. Credit: Eleganza/Getty Images

“If you own your own home or the bank owns your home, ideally, you're insuring both and if you're renting a place, then you just want to insure your contents,” ayon sa Choice insurance expert, Jodi Bird.

Ang contents ay maaaring kabilang ang electronics, gamit pampalakasan, alahas, kagamitang medikal, muwebles, gamit sa kusina, at mga pamanang ari-arian.

Most home insurance policies will cover you for animal damage, but not for damage caused by your pet. Credit: sturti/Getty Images

Sa contents insurance, puwede mong mapaayos o mapalitan ang mga gamit kung masira o mawala dahil sa sakop na insidente.

“An insurer's calculator will help you think about how much all those things are worth."

When it comes to insuring your home, you're insuring for the cost to rebuild the actual building, not the market value of your home, which can be different. Credit: svetikd/Getty Images

Ayon kay Andrew Hall ang CEO ng Insurance Council of Australia, karaniwang kinakailangan ang home insurance kapag kukuha ng mortgage o home loan.

Sabi niya, dapat magsimula nang maghanap ng insurance ang mga gustong bumili ng bahay habang naghahanap pa lang ng financing o home loan options.

“When you buy a home in Australia, your insurance should always cover what is the most likely risk of something happening to your home. So, if you're living in an area where there is a lot of bush or forest, you need to ensure that you've got cover for fire.”

It's very important that you proactively seek out information about the natural peril risks that may be around that property.

Andrew Hall, CEO, Insurance Council of Australia.

Latest ABS data reveal insurance is one the main contributors to rising living cost, due to higher premiums for house and home contents insurance. Credit: PamelaJoeMcFarlane/Getty Images

Keeping your gutters clean from leafage can help protect your home in case of flood or fire. Credit: LittleCityLifestylePhotography/Getty Images

Ayon kay Paula Jarzabkowski, Propesor ng Strategic Management sa University of Queensland, ay eksperto sya sa disaster insurance at mga insurance protection gap sa buong mundo.

Mahaba at madalas mahirap intindihin ang mga kontrata sa insurance. Kaya mahalagang magtanong at siguraduhing alam mo kung ano ang sakop o coverage at hindi ng iyong insurance.

“I guess that we're all a bit guilty, aren't we sometimes, of ticking ‘yes, I agree' to everything, without either knowing what we agreed to or just being in a hurry when you want to renew your policy."

It is in your rights to ask and to have things explained to you in a way that you can understand.

Professor Paula Jarzabkowski, University of Queensland

"Insurance is a financial product and people get frightened of that, but it's important that we read the terms and conditions of the products we buy and get comfortable asking the questions," sabi ni Prof Jarzabkowski.

Ayon kay Jodi Bird, insurance expert ng Choice, kahit magre-renew ka lang ng insurance, mainam pa ring maghanap at makipag-negotiate para maiwasan ang tinatawag na "loyalty penalty."

“Intuitively we think that if we're loyal to a business, they're going to reward us with discounts...This isn't how it works with insurers.

“If you just renew your premium every year, they'll end up charging you more on your renewal form than they might to a new customer trying to get the same insurance.

If you are having trouble paying your insurance premium, seek quotes from different providers and ask your insurer for options to reduce your premium. Credit: ToucanStudios/Getty Images

Para sa karagdagang impormasyon tungkol sa home at contents insurance bisistahin ang Financial Rights Legal Centre.

Kung nahihirapan ka sa utang at kailangan ng tulong, maaari kang tumawag sa National Debt Helpline sa  1800 007 007 upang makausap ang isang financial counsellor.

Mag-subscribe o i-follow ang Australia Explained podcast para sa mga mahalagang impormasyon at tips sa maayos na pagsisimula ng bagong buhay sa Australia.   

May tanong o mungkahing topic? Mag-email sa [e-mail].

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