We understand the dangers of bushfire season but unfortunately people often leave it too late to make critical decisions.
Reducing risks, taking action to protect your home and family (including holiday homes) and keeping your insurance policy up-to-date can help you be 'bushfire prepared', and often makes all the difference. If you need to update your insurance just log in to your account anytime.
Bushfires can happen at any time but you must be extra alert during warmer weather, especially if you're away on holidays. Fires can also jump gaps like roads, rivers and firebreaks, so your wider environment is also a potential hazard. Embers can travel many kilometres ahead of a fire, so even if you're not directly threatened by a bushfire, you may be impacted by embers.
Following the 2009 Victorian bushfires, the Australian Building Codes Board adopted a national bushfire standard for residential buildings. These standards are designed to make your home safer and apply if you renovate or rebuild your home.
The standard sets out the building requirements for house design and construction according to the Bushfire Attack Level (BAL) that a development falls into. Building requirements vary according to their BAL but the majority of buildings in bushfire zones pre-date current regulations. This means it could cost significantly more to re-build your home under the new standards. Visit the Australian Standards to find out more.
Our Home Buildings calculator can help to identify the cost to re-build your home.
For extra peace of mind, you could consider our Home Plus cover which provides a safety net of up to 25% in case you need it, to rebuild your home or replace your general contents.
There are plenty of ways to prepare your home to limit damage during a bushfire event:
In the aftermath of a bushfire there can be a lot of hazardous materials surrounding your home. Our Home Buildings policy automatically includes cover for ‘removal of debris’, so we can organise and pay for cleaning up, securing your home, and removing any toxic and flammable debris such as chemicals, metals and asbestos.
Check out our Home Insurance to find the best policy for you.
If you live (or regularly holiday) near bushland or your area has a history of bushfires, creating a 'Bushfire Survival Plan' means you know exactly what to do the minute there's a bushfire warning. Your plan should be updated annually, but there are things you should do right now.
For more advice on creating your own Bushfire Survival Plan, visit:
People often forget about items like jewellery, electronic and mobile devices.
Our Home Contents calculator can help you calculate your contents sum insured.
Working together with your local community can make a huge difference to limiting the devastating consequences of a bushfire. So how can you help?
To update your policy, please contact us
For more practical information on how to prepare and act when your home is threatened by a bushfire, please contact the fire services authorities:
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as SGIC Insurance. This is general advice only so to see if a product is right for you, always consider your own circumstances and the Product Disclosure Statement available from SGIC Insurance.