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.

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.

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.

If you own a Serviced Apartment, then you need insurance for your unit or apartment which covers short term holiday rentals or stays. Have you decided to rent it out and you are using an onsite manager to take bookings and care for your unit as a serviced apartment? Then you need a landlords insurance policy which covers you for short term rental stays and your insurance company needs to be aware that it is a serviced apartment. What does Serviced Apartment mean? Serviced Apartments are usually furnished apartments or units rented out for short-term stays where the owner pays a manager to clean the apartment and manage the bookings for the holiday rentals. Serviced apartments will be fully furnished with linen and cooking utensils supplied. Holiday makers do not have to supply linen and have all the benefits of services like cleaning, booking office or reception, included in the cost of the Serviced apartment booking. Similar to a motel room except you have the benefits of an apartment and can do your own cooking and you have more room. They are great for families. Serviced apartments may be serviced weekly or daily and there would usually be a cost to this included in the booking. You may have the option to have the unit cleaned for the duration of your stay or at the end of your booking. As an owner of the service apartment you have the benefit of regular cleaning and the manager taking away the stress or time involved in managing the apartment bookings, cleaning and even mamaging the maintentance depending on what you have agreed with the manager. Why won’t my insurance company insure Serviced Apartments? Many insurance companies will not insure serviced apartments. This may because they are concerned by the extra risk imposed by having a third party clean your apartment or other reasons. The insurer may or may not be happy to insure your property for short term holidays, but once you mention that it is a serviced apartment, they may decline to insure you. If you have run into this problem, we may be able to help you with insurance for your serviced apartment or unit with a specialist landlords’ policy which caters for serviced apartments. You can generally insure your Contents, Loss of rent and Landlords Public liability which protects you if a tenant is injured and you are found legally liable for some unexpected reason. Do you want to know if your Insurance covers your Serviced Apartment for short-term holiday tenants? Then, 1. At the very least you must inform your insurance company and get confirmation that they will cover your Service apartment for the short term holiday rentals. 2. Check that they will cover periods when your property is unoccupied between holiday rentals. 3. Will they cover you if you manage it yourself or do you have to use an agent. 4. When it is unoccupied what cover will they provide. Will it be full cover or restricted cover or no cover at all? 5. Do not just assume you are covered you must check! 6. Do you really want to take the risk of being uninsured because you did not check with your current insurer? Or not be insured because you did not advise your new insurer when taking out the policy that it was going to be let as a Serviced Apartment for short term rentals. So, call you insurance company or insurance broker to check today! How can we help with your Serviced Apartment Insurance? We can assist you with a wide range of holiday apartment & serviced apartment Insurance with cover for damage to your contents and owner’s fixtures and fittings caused by fire, storm, and other listed perils. You can include policy options such as accidental damage, landlord’s public liability, landlords’ contents, loss of rent, malicious damage, and tenant damage for instance. Please note we generally cannot help if the Apartment or Unit is sub-let or on a multi-lease agreement. Generally, the building is covered by the Strata policy or Apartment insurance. However, if your lender requires mortgagee building insurance then we can assist here as well. Conditions apply to all policies. Please view the Landlords Product Disclosure Statement which we will send with your quote. Alternatively call Insure More @ on 02 6555 5022 and we will help explain the options or you can complete one of our online forms here to request a Serviced Apartment Insurance quote or visit our Serviced Apartment & Unit Insurance page to find out more.

Try this free tool on our website provided by Steadfast. It is called the Steadfast Flood Risk Tracker tool. Insurance is important to provide protection against unexpected loss or damage. If you have a Holiday Home, Rental Property, House, Business or Commercial Property you may not be aware of your long term risk of damage from Flood or Tsunami. With the recent floods it is important we all understand our long term risk for this type of loss. We hope this free tool helps you understand your risk of Flood or Tsunami and perhaps helps you work out the type of action you can take to reduce your risk of loss. Click on the below link to learn more. Steadfast Flood Risk Tracker tool. Feel free to call us on 02 6555 5022 for a free quote on your insurance needs or if you have any questions at all on insurance.

Short Term Holiday Rental Insurance are you covered? If you have just purchased an investment property and now want to rent it out for Short Term Stays & Holiday Makers, or you previously had long term tenants with a lease and now want to change to Holiday rentals. Do you want to advertise and list your Holiday Home or Holiday Unit on sites like Wotif, AirBNB, Stayz and similar sites? If so, do you realise that your current Landlords insurance or Home insurance policy may not cover short term holiday rentals. Do you want to know if your covered for short term holiday tenants? Then, At the very least you must inform your insurance company and get confirmation that they will cover you for the short term rentals. Check that they will cover periods when your property is unoccupied between holiday rentals. Will they cover you if you manage it yourself or do you have to use an agent. When it is unoccupied what cover will they provide. Will it be full cover or restricted cover or no cover at all? Do not just assume you are covered you must check! Do you really want to take the risk of being uninsured because you did not check with your current insurer? Or not be insured because you did not advise your new insurer when taking out the policy that it was going to be let for short term rentals. Why won’t some insurance companies cover short term Rentals? One of the main risks is unoccupancy. It is possible your property may be vacant for long periods when let out for holiday rentals. Holiday Homeowners face increased risk of malicious damage, vandalism, and water damage when they are not there to check on the property. When you live in a property you become aware of damage and faults much quicker before it develops into a more serious fault. This reduce the risk to the insurance company. For these reasons and more not discussed here, many insurers will only cover unoccupancy for short periods. So, call you insurance company or insurance broker to check today. Alternatively call Insure More @ on 02 6555 5022 and we will help explain the options, Alternatively, you can complete one of our online forms here to request a Holiday Home Insurance quote or visit our Holiday Home Insurance page to find out more.

With heavy rain expected in the Forster region and NSW coast over the next few days it is time to review your home insurance. To be protected from storm damage you need to make sure you have a home and contents insurance in place and that it is renewed and up to date. You cannot wait till the last minute to take out a home insurance policy as the storm approaches to protect a home you live in or a holiday home property. If it is a severe storm forecast, insurers may place an embargo and not offer insurance for several days for new policies, this also happens with bushfires and cyclones. Do not get caught out and find that you cannot get insurance as the storm approaches. If you have your insurance in place well before a storm approaches, then as long as you have maintained your property in good order you will be covered for most types of storm damage, such as wind, rain, hail & lightning. Coverage varies between insurers so its important to read your policy wording. That is where we can help as Insurance Brokers, we can help explain what the differences are between the types of insurance and help you choose a cover that protects you. If the worst happens and you need to lodge an insurance claim, we are there to help you too. However, please do not rely on your insurance as a first line of defence. It is important to take precautions to protect your property such as clearing gutters, removing blockage and debris. Listen to the local SES warnings and follow their recommendations as well. https://www.ses.nsw.gov.au/ We are located in the Forster NSW region but provide insurance Australia wide. If you need insurance and would like a free quote call on 02 6555 5022 or visit our website here https://www.insuremore.com.au/

Do you live in Forster area & need Insurance? Do you live in the local Forster Tuncurry area and feel your insurance is getting to much? We offer a free comparison service. Bring in your insurance renewal and we will provide you with alternative insurance quotes. We are quite sure all Insurance Brokers who are located in the Forster NSW area aim to give their clients the best service. We hope you choose Insure More @. Ask Us How we can help with your insurance needs. Does it cost more to use an insurance Broker? At Insure More @ we provide free insurance quotes, so there is no cost to get a comparison to your current insurance. The insurance quote we give you will include all fees and charges including any commission or brokerage we earn so you can clearly compare to your current insurance renewal. As we use a range of insurance companies and not just one, we can generally provide very competitive quotes. Some of the insurance companies we use only provide insurance through insurance brokers. This means we have a wide range of insurers to choose from. And yes, sometimes we may cost more, but you get personal service advice and assistance. If you need to claim we are there to assist and help you. We often save you money in the long run. So, try us out and request a free comparison quote. You can call us on 02 6555 5022. We can help with most insurance needs.

If you have a standard home and contents policy, and then decide to rent out your house for short term holiday rentals, it is unlikely that you will be covered if you have not informed your insurance company. Whilst it can be great to have that extra income from renting out your property, if a guest sets fire to your kitchen and accidentally burns your house down, you may find yourself uninsured if you have not advised your insurer, and they have confirmed the acceptance of the extra risk. You will need to inform the Insurance Company of your intentions to rent out your house for holiday lettings or short-term rentals. The Insurance Company will then confirm in writing that they accept the risk. Most insurers will not cover this on a standard home insurance policy. If your insurer is able to offer you cover for Short term rentals it will almost certainly cost you more. Any additional premium will need to be paid before you rent out your property. You may find that your insurer cannot help you and you will need to obtain a Landlords home insurance policy which includes cover for Short term holiday rentals. Note, it is not enough to just have a Landlords type policy as many only cover longer term rentals where you have a lease and property bond. If you find yourself in this position and would like a quote on a Holiday Home insurance package which will cover your home, contents and legal liability, then contact us to find out more on 02 6555 5022. Alternatively send us your details by completing our online Landlords Holiday quote form here. https://form.myjotform.com/1442618598

Insurance can be confusing but is important to have. You do not want to get caught out uninsured or under insured this summer. If you need help and live in the Forster area and would like help with your insurance why not give us a call or visit our office in Tuncurry. As insurance brokers we can help with a wide range of insurance. We use a variety of insurers not just one. If you need help with Commercial Property or Home and Contents insurance let us provide you with a free comparison quote. Need a Greenslip so you can renew your vehicle registration we can help with that to. Just received your Car, Boat, Public Liability or Business insurance renewal and think the insurance cost is too high, then give us a call on 02 6555 5022 or email us and we will provide you with a free comparison quote. Warning any information here is general advice only and may not be appropriate for you. Always refer to the Product Disclosure Statement we will provide you with your quote or insurance for details of cover.

If you would like a free quote for car insurance or your insurance is due for renewal, why not give us a call for a free car insurance comparison quote. We are local insurance brokers in Forster Tuncurry area and can provide you with insurance alternatives so you can compare your current insurance. Whether its comprehensive car insurance that provides cover to repair your car after an accident or basic Third Party Insurance which provides cover for your Legal liability and damage to other vehicles or property we can help. Or if you just need a Greenslip to renew your car or motor vehicle registration. We can help with a wide range of insurance including cover for Trucks, Trailers, Boats and Business insurance. Call on 02 6555 5022 or drop into our office at Shop 7/60 Manning St Tuncurry. #carinsurance #carinsurancequote #truckinsurance #greenslips

Do you live in the local Forster Tuncurry & Manning area and enjoy Boating or Jet-Sking on Wallis Lake, Myall Lakes, Manning River or the ocean? Then it is time to think about reviewing your boat insurance before the summer arrives. Protect Your Watercraft with Comprehensive Boat and Jet Ski Insurance If your boat is stolen, swamped or damaged in a collision it is important to have the right insurance cover. It is not worth taking the risk of being uninsured. If you are involved in a boating accident and someone is injured and you're liable you could lose your home or other assets. Not to mention the stress of court cases and legal action. The boat and pleasurecraft insurance policies we offer include Public Liability. This protects your legal liability. That means if there are large medical bills or costs for damage to property to be paid, you are protected. If you tow skiers and tubes behind your boat let us know and we can add cover for those activities too for additional protection. If you do water sports towing sand activities uch as Water-Skiing, Tubing, Kneeboarding then we can help with Boat & Water-Ski insurance. We can also include towing activities for your Jet-Ski. If your boat or Jet-Ski sinks and has to be recovered, and you do not have insurance, did you know you could be up for the cost of salvage along with the cost of cleaning up water pollution? Protect Your Water Adventure with Boat and Water-Ski Insurance from Local Brokers in Forster Tuncurry Region - Serving Australia Wide If you have boat insurance or Jet-Ski insurance, you are covered for these costs. We have a wide range of boat insurance policies and can offer cover Australia wide. Ask us how we can help you with your boat insurance needs. Call on 02 6555 5022 or complete a Boat, Jet ski or Watercarft Quote form by clicking here.