North Queensland Home Insurance
Home Insurance Broker - Learn more about how we can protect your home and contents
North Queensland Home Insurance
Home Insurance Broker - Learn more about how we can protect your home and contents
Protect your North Queensland home with expert insurance guidance you can trust.
At Morgan Insurance Brokers, we specialise in finding the right home insurance for North Queensland homeowners, from coastal properties in Townsville and Cairns to rural homes across the tropics. Our local brokers understand the unique risks of living in the north from cyclones and floods to unpredictable weather, and we work with Australia’s leading insurers to secure tailored, affordable protection for your most valuable asset. Whether you’re buying your first home, reviewing your current policy, or need help with claims, our North Queensland home insurance experts are here to make it easy.
What does Home Insurance Cover
Home Building & Contents Insurance packs can offer general protection which may include cover against:
What's Typically Covered
Accidental Damage
Vandalism
Impact
Theft
Landslide
Storm
Lightning
Wind
Earthquake
Hail
Fire
Electronic Breakdown
Flood
Water Run Off
Cyclone
How we help you
Morgan Insurance Brokers proudly offers only Comprehensive Accidental Damage Policies, giving our clients the broadest protection available. Our expert brokers will review your personal insurance needs and provide tailored advice to ensure your home and valuables are properly covered. With our professional guidance and trusted service, you can be confident that Morgan Insurance Brokers has you protected.
What is typically not covered?
War & Terrorism
Old Age
Wear and Tear
Action of the sea
Deliberate Acts By You
Rust & Mold
Insect, Bird, or Rodent Damage
Optional Accidental Damage Cover
Benefits of insuring through Morgan Insurance Brokers
At Morgan Insurance Brokers, we believe in being proactive, not reactive. Our expert brokers handle everything for you, we speak directly with insurers to negotiate the best possible cover for your home and ensure you’re fully protected.
We offer free, end-to-end claims management, from lodgement right through to settlement, so you can relax knowing the experts are on your side.
Our team takes the confusion out of insurance by simplifying the jargon. We explain your policy in clear, easy to understand terms, so you know exactly what’s covered, and what’s not.
Frequently Asked Questions
While increasing your excess will reduce your annual home insurance premium, the rise in severe weather events across North Queensland means you could end up paying more out of pocket if you need to claim.
At Morgan Insurance Brokers, we recommend choosing a comprehensive accidental damage policy. This type of cover automatically protects your jewellery items outside the home, with cover limits and conditions applying.
Once we have all the details we need, our team can approach our panel of approved insurers and often secure quotes for you the same day. If your circumstances require further assessment by the insurer, it may take slightly longer to finalise.
Monthly Instalments is available for home insurance.
Most home insurers have a 60 or 90 day unoccupancy clause which means that your property can be vacant for this period of time without having an impact on your insurance. If you think you’re going to exceed this time frame, please advise us.
Your building sum insured should reflect the replacement cost if the property was to burn down. Always think worse case scenario. Other factors in determining the replacement cost is professional fees and removal of debris. These should be in additional to the cost to rebuild. The figure will not be the market value of your property, and it won’t be the market value, less the land value.
For a closer figure, we recommend using a building sum insured calculator which can be accessed here:
Flood cover is now automatically included in most home insurance policies, giving you peace of mind without needing to add it separately. Opting out is only available in limited cases.
Most home insurers have a 60 or 90 day unoccupancy clause where they will permit your home to be vacant for this duration without any penalty. If your property is unoccupied for more than this period and a claim were to occur, you could find yourself uninsured.
If your property was damaged and the portion of your property was damaged contained asbestos material, your insurer could contribute to the costs incurred to remove the asbestos. It is important to disclose if your property containts asbestos as not all insurers will cover you and subsequently could deny claims because of this.
Subletting is excluded under a home insurance policy and could void your cover.
Fixed Air-conditioning units and ducted air-conditioning systems are considered part of the building. If you have a portable air-conditioning unit, this will form part of your contents.
Solar panels are considered part of your building under your home insurance policy. Make sure your building sum insured includes the cost to replace them for full protection.
The best home insurance for North Queensland homeowners is one that responds quickly to property damage, offers cost-effective and comprehensive protection, and delivers exceptional claims service during stressful times.
