What Is EPS Construction?

Expanded Polystyrene (EPS) construction — often used in insulated panels for walls and roofs — is gaining popularity in Australia for its energy efficiency, cost-effectiveness, and ease of installation. EPS homes can achieve superior insulation performance compared to traditional brick or timber builds, leading to lower energy bills, faster construction times, and improved sustainability.

Why EPS Is a Great Building Choice

EPS panels are lightweight yet strong, and their high thermal performance helps homeowners maintain comfortable indoor temperatures year-round. Builders appreciate the speed and precision EPS offers, while homeowners enjoy the reduced heating and cooling costs. Additionally, EPS can contribute to lower environmental impact thanks to its recyclability and reduced material waste.

In short, EPS offers:

• Excellent thermal efficiency
• Lightweight yet durable structure
• Fast, cost-effective builds
• Sustainable and recyclable materials

Why EPS Homes Can Be Hard to Insure

Despite its benefits, EPS construction can raise red flags with many Australian insurers. This is primarily due to:

• Fire Risk: EPS is combustible, and while most systems use fire-retardant panels, insurers may still classify them as high-risk.
• Water Damage Concerns: Poor installation or maintenance can lead to moisture ingress, which compromises structural integrity.
• Limited Data: Many insurers still view EPS homes as “non-standard,” with fewer long-term data sets compared to brick or concrete construction.

As a result, some mainstream insurers decline cover altogether or charge higher premiums for EPS-built properties — leaving homeowners frustrated.

How Morgan Insurance Brokers Finds Solutions

At Morgan Insurance Brokers, we understand that EPS homes shouldn’t be penalized simply because they use modern materials. Our brokers specialize in finding tailored insurance solutions through a wide network of underwriters who recognize the benefits of alternative construction methods.

We work with you to:

• Assess your EPS home’s specifications
• Connect with insurers experienced in EPS risk management
• Secure competitive coverage options that protect your investment

Our goal is to make sure you’re fully covered — without paying unnecessary premiums.

Our Other Home Insurance Services

Beyond EPS construction coverage, Morgan Insurance Brokers offers a range of comprehensive home insurance services, including:

• Standard home and contents insurance
• Landlord and investment property insurance
• Strata and townhouse insurance
• High-value home and prestige property insurance
• Flood, storm, and fire risk coverage solutions

Whether you’ve built with EPS or traditional materials, we’re here to protect your home and peace of mind.

Ready to protect your EPS home?
Contact Morgan Insurance Brokers today to discuss the right cover for your property.