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On this page you can search our site pages or insurance blog for articles and information on Holiday Home Insurance, Short Term Rental insurance, Car, Boat, Business & Personal insurance to learn more.

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Blog Posts (25)

  • Securing Your Industrial and Commercial Building Investments with Insurance:

    Scenarios we can help you with: - 1. You are the Building Property Owner only, and you lease out the whole building to tenants. 2. You Occupy the Building and run your business from a portion of it, you then lease out other bays or sections of the building. 3. You Own & Occupy 100% of the building and run your business from it. 4. You Own the building and its vacant, however, you are currently trying to get tenants. (This can be more difficult to insure but let us try to help you.) Choose Our Trusted Insurance Brokers in Forster Tuncurry We insure and protect a wide range of Property Buildings all over Australia. Helping you obtain Building & Public Liability insurance coverage for your Commercial, Industrial, Factory, Shed, Warehouse, Strata, Retail, Arcade or Office Properties is what we love to do. This is why we have many happy insurance customers Australia Wide. We use a range of insurers, not just one. This helps us tailor your insurance package to what suits your needs and budget. We started our business in 1985 in general insurance in Muswellbrook NSW, later moving to Forster Tuncurry in 1987. We are an Authorised Broker of Community Broker Network Pty Ltd which is a member of the Steadfast Group. ​ We use a range of insurers, not just one. You can include insurance options such as Loss of Rent, Glass and Business Interruption insurance. Property insurance includes cover for events such as Fire, Storm, Malicious Damage, Earthquake, Impact by vehicles and other listed events. How do I get Building Insurance for my Retail, Industrial Property, Shed or Warehouse? ​ To get a Property Owners Insurance Quote and find out the value of your insurance premium, submit an insurance quote form today. We will provide and email you back insurance quote options, information and insurance costs to help you decide what suits your needs. Then, after receiving your insurance quotes, if you wish to make alterations to the insured amounts, or cover, it is just a matter of letting us know and we will adjust your quote. ​ There is no obligation to proceed after requesting a Building & Property Owners Insurance Quote request. To obtain a quote visit our Commercial & Industrial Building Insurance page and click here to find out more. To go straight to a quote request form, click the Start a Property Owners Quote button below. No cover is in place until we provide you with confirmation and a policy number. ​ If you decide to proceed with a policy, there is a 14 day free look period.

  • Boat, Jet Ski & Water-Skiing insurance

    Where does the insurance cover me? You are covered while navigating inland waters, and coastal waters up to the range specified offshore in the insurance policy, most policies cover up to 200 nautical miles offshore. If you boat is trailered it is also covered whilst being towed by a registered vehicle and whilst being launched off and whilst being retrieved onto your trailer. ​ Boat & Water-Skiing insurance You have the choice to include cover for Boat & Water-Skiing insurance. This includes cover for Knee boarding, Wakeboarding & Tubing on marine sporting equipment that meets Australian Standards. (Not Tyre tubes) ​ It is important to include this optional Boat & Water Ski insurance if you do or may do any of these activities to ensure you are covered if someone gets injured, seriously disabled or the activity caused their accidental death. Can you insure a Jet Ski? ​ Yes we can help with Jet Ski Insurance. With a Jet Ski insurance cover it is just as important to include optional Jet Ski & Water Ski, Tubeing or Towing insurance if you do or may do any towing activities to ensure you are covered if someone gets injured, seriously disabled or the activity caused their accidental death. Complete a Boat or Jet Ski Insurance quote form here or Call on 02 6555 5022 for a free quote or to find out more.

  • Shortage of Rental Properties: Are too many properties used for short-term holiday rentals?

    Here we provide a comparison between short-term and longer-term rental property options and some of the things to consider before deciding on how to rent out your property. We also look at insurance comparisons and issues raised by some local councils. Short-term rental accommodation, also known as STRA or holiday letting is where a house, apartment or unit is used to provide residential accommodation on a commercial basis for a temporary or short-term period. Do not get caught out unable to legally rent your property for Short-Term Holiday Rentals Before you decide how to rent out your property its worthwhile contacting us for a free Landlords or Short-term Holiday Home insurance quote. You should also contact the local council where the property is located to enquire about the local rules and regulations, you need to find out if there are any restrictions on renting out your home or apartment property for short-term rentals in the council area where your rental property is located. The Problem with Short Term Holiday Rentals Did you know! Councils such as Byron Shire have had rules and regulations introduced by the NSW Governement which commenced In November 2021, for short-term rental accommodation. Other councils such as Hobart have proposed higher council rates on short stay properties. City of Melbourne considering introduction of an annual fee for property owners of short-term holiday rentals to help address housing shortage. Some councils are trying to discourage owners from short-term rentals. Recently our own local Midcoast Council included a letter with rates notices urging property owners to consider making short-term rental properties available for long-term rental over the next 2 years to ease pressure on local families looking for accommodation. This would give time for more homes to be built. New families moving into our local Forster, Tuncurry, Taree & Gloucester area for work are finding the lack of rental accommodation causing them real concern and stress. Some employers have advised council they cannot obtain staff for job vacancies due to the lack of suitable long-term property rentals. For a link to the Midcoast council covering the issue click here. For a link to article on Hobart Council proposed changes click here. For a link to Byron Shire short-term rental accomodation click here. For a link to NSW Governement short term rental accomodation regulations click here. In NSW some properties must be registered on the Short Term Rental Accommodation (STRA) register. To visit NSW registry page click here. for a link to article on City of Melboune proposed changes click here. Insurance and Short-term holiday stays versus Long-Term rentals We specilise in Landlords rental property insurance and can usually help with all types of rental insurance for short-term holiday accommodation or insurance for longer term leased homes or apartments. However, we are finding that some insurance companies are now declining to insure or provide insurance for short term rental properties. Some insurance companies only want to insure long-term leased properties. Reasons for this could be lower claims when homes or apartments are permantely occupied, for example, there may be less theft or burglary claims as a permanet rental property is not usually vacant. Whereas a short-term rental property has periods of vacancy from a few days to perhaps 1 month between bookings. Pros and Cons of Short-Term Holiday Rental Homes or Apartments Renting you property for short-term holiday accommodation may provide benefits such as:- Advantages Higher rental income. Allows Owner to visit and stay if it is a holiday property when vacant. Can be used by family and friends when vacant. Helps with the regions holiday accommodation. You can list on sites such as Airbnb, Wotif and others and perhaps receive a higher income. You can rent out for just 1 night. You can block out periods for your own use. Some councils and local business encourage short-term rentals as it boosts local tourism and brings income to towns. Disadvantages You are not helping ease the long-term rental accommodation crisis. Higher Insurance costs. Ethical considerations such as if the area your property is located in has been in a recent flood or bushfire zone you are not helping ease the burden on the local community by providing accommodation for long term rental accommodation for families that have lost homes. Proposed higher land rates in some council’s areas for short-term rentals. You may have to register the property on a state govement portal for holiday accomodation. Some councils and booking sites limit the number of short stay nights with yearly caps.. Unforseen changes to goverment or local council regulations that impact your return. Higher insurance premiums than a long term leased Landlords property. Victorian State Governement considering introduction of a 7.5% Short Term Holiday Rental Tax. More Councils looking at introducing Caps on number of nights available for short-term stays to encourage more long term rentals due to the shortage of housing in some areas. City of Melbourne considering a annaul fee. Not everyone is aware of these issues. We recommend before buying a home property or apartment that you are considering renting out on a short-term basis, that you assess the impact on your rental properties return. It can have unexpected consequences on you or the property owner’s finances which could be severe. The Final Score on Short-Term Rental Insurance Firstly, we have years of experience is in providing Landlords rental property insurance. We can help you with insurance advice. We can also provide examples of some of the pros and cons of renting a property out from an insurance perspective. So don’t hesitate to give us a call on 02 6555 5022 if you have any Landlords insurance or Short-term rental insurance questions. We have been in business since 1985. Initially, you may have thought you could rent out the property just as much as you like, right? Well as you may now be aware, that is not always the case, so look into it to avoid costly mistakes. It could be the difference between meeting a mortgage repayment on your short-term rental property or the difference between a profit or loss on the rental earnings of the home or apartment. You may soon find out, just because you own the property, it does not mean you can rent it anyhow you like. Does not seem quite right, does it, but thats the way it is. You could end up breaking local council rules and perhaps facing fines. Worse still complaints from neighbours? Who wants to recevie a letter from the council advising the property owner that a neighbour has lodged a complaint and reported the property as being used for short-term holiday stays against local regulations or for more than the set number of days. Many neigbours know the local council rules and will report breaches. Did you know some Councils have a maximum short-term rental period in a year? Did you know booking sites are required to monitor the number of short-term night stays in some areas or states? That once booking days are over that yearly limit for short-term stays they won’t accept bookings unless they are for longer terms of say three months or more. Don’t buy a property and get caught out. Find out the details from the booking site or real estate agent beforehand. Do your own research before commiting. Do not rely on what people think, find out the facts in your properties area. Do not rely on information in this blog as it is just based on things we have come across and may not apply in your case. The fact is we have lots of clients who are very happy owners of short-term holiday properties all over Australia. We really do love to provide competetive short-term stay insurance for them. We really enjoy working in this area of the insurance market. Call or complete one of our online forms to receive a free quote on your home or apartment insurance for short-term holiday stays if that is the way you wish to rent out your holiday home or investment property. We hope this article has enlightened you, so you are more fully informed of the issues before you decide which path you wish to take. You may choose the flexibility of short term holiday rentals or the security of a long term lease. Whichever way you decide to go we would love to give you a free comparison insurance quote. To get a short-term rental or holiday home insurance quote click on this link:- Rental insurance quote to find out more.

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  • About us | Insure More @ | Forster | Tuncurry | NSW 2428

    About Us - Our Insurance History ​ We started our business in 1985 in general insurance in Muswellbrook NSW, later moving to Forster Tuncurry in 1987. ​ We use a range of insurers, not just one. ​ Previously SM Insurance & Investment Advisers we now use the trading name Insure More @ to further reflect our focus on general insurance. Same team, same business just a new name. Wherever you live in Australia Ask Us How we can help you with your insurance needs, we look forward to you contacting us. If you live locally in Forster or Tuncurry NSW your welcome to drop in to our office to meet us personally. We have clients all over Australia and welcome your call wherever you are. ​ ​ Insurance Awards ​ We proud of the fact that in 2014 we won an award for Achieving the highest Gross Written Premium Growth in New South Wales of any CGU Authorsied Represetatives which we were at that time, before joining and becoming Authorised Brokers of CBN. ​ ​ Contact us for a free insurance quote or help with your Holiday Home Insurance Short Term Rental insurance Rental Property insurance Commercial Property insurance Public Liability Insurance Landlords Insurance Business Insurance Car Insurance Greenslip Insurance Construction Insurance Trades & Contractors Insurance Business Insurance Boat Insurance ​ We are Insurance Brokers in the Forster NSW area. ​ To see our Forster Tuncurry area office location Click here to see on a Map. ​ We are an Authorised Broker of Community Broker Network Pty Ltd. Community Broker Network Pty Ltd is a member of the Steadfast Group. ​ Community Broker Network is a member of

  • Other Types of Insurance | Trades | Business | Insure More @ | Australia wide

    Other Types of insurance ​ We do not only provide insurance for Holiday Homes, Public Liability, Business, Commercial & Personal insurance we can assist you with a wide range of Insurance, not just what is listed on our products page. Please call us to discuss your needs or for a quote on 02 6555 5022. Alternatively complete the contact us form below to email us. Email Us Here

  • Hairdresser & Beauticians Insurance | Insure More @ | Australia | Forster NSW

    Start a Quote Call us 02 6555 5022 Public Liability & Business Insurance for Barbers, Hairdressers, Beauticians, Makeup Artists & Manicurists ​ Let us provide you with a free quote for Public Liability Insurance to protect your business by completing a Public Liability Insurance Quote form. Options you can include on the insurance package include Treatment risk, Equipment, Stock, Contents, Glass, Money & Tools of Trade. We can provide insurance cover for a wide range of Hairdressers, Beauticians, Barbers, Makeup Artists, Manicurist and Nail technicians. If you operate your business from a Salon premise, are a Freeelancer or as a Mobile business we can help. What is Public Liability Insurance? ​ If an accident or unexpected incident causes damage or injury to someone (other than employees), you may be found legally liable to cover the costs. Public Liability insurance can help shield your Barbers, Hairdressers, Beauticians, Manicurist or Nail Technician business from the financial risk of liability claims giving you the certainty you need to run your business with confidence. ​ How can it safeguard my business? ​ Public and product liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property caused by your business operations. It can even cover emotional distress or shock that your business causes to another person. ​ It will usually pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay. ​ What typically isn’t covered by Public Liability Insurance? ​ Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for: Cost of rectifying faulty workmanship Damage to your own property Claims by employees Claims arising out of the use of a registered motor vehicle Claims related to asbestos ​ ​ How to get Public Liability & Business Insurance. ​ Let us help provide you with competitive quotes for Public Liability Insurance for your Hairdressers, Beauticians, Make Up Artist or Manicurist business by completing the Public Liability Insurance Quote form . We will use the information you provide to obtain quotes and options from the insurers on our approved list. We use a wide range of insurance companies, not just one. ​ Alternatively, call us on 02 6555 5022, send an email or visit our Contact Us page to send us a brief message and we will get back to you. Car Insurance Quotes 32 Post not marked as liked Need help with an insurance claim. 20 4 likes. Post not marked as liked 4

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