Jump to content

Which insurance companies offer total rebuild?

  • Please log in to reply
6 replies to this topic

#1 Perpetual

Posted 11 December 2012 - 01:28 PM

I am getting quotes to see if I can save any money on insurance and am mainly interested in companies that offer total rebuild instead of an agreed value insurance.

Currently with AAMI and have got a quote through OnePath.

Anyone know of any others?

I know they still estimate the rebuild costs with the details nominated, but I just feel safer with total rebuild. Our house value is very disparate to the rebuild costs since it is a huge old majorly renovated property on the side of a mountain, so on a severe slope.


#2 MrsLexiK

Posted 11 December 2012 - 01:34 PM

Sorry I can't help as I went with AAMI for the same reason and at the time (perhaps last year maybe 18 months ago) AAMI was the only one with this option going around. (It was also cheaper then my current provider and I upped the contents!)

#3 malibu71

Posted 11 December 2012 - 02:20 PM

When I worked for Commonwealth 3 years ago it was only something officer by themselves and AAMI - you need to confirm everything else they offer is sufficient as CBA for instance don't cover some types of flood etc...

#4 giggleandhoot

Posted 11 December 2012 - 02:28 PM

You could always see a broker, that way you have more markets to access?

#5 Perpetual

Posted 11 December 2012 - 02:34 PM

QUOTE (malibu71 @ 11/12/2012, 03:20 PM) <{POST_SNAPBACK}>
When I worked for Commonwealth 3 years ago it was only something officer by themselves and AAMI - you need to confirm everything else they offer is sufficient as CBA for instance don't cover some types of flood etc...

Thanks. Commbank doesn't seem to anymore.

I always read the PDS etc (former bank employee as well, so I know the loopholes that can happen).

QUOTE (giggleandhoot @ 11/12/2012, 03:28 PM) <{POST_SNAPBACK}>
You could always see a broker, that way you have more markets to access?

I had not thought of this! Will look into as well.

#6 Shellby

Posted 12 December 2012 - 03:36 PM

AAMI is the only one I know of.

#7 SeaPrincess

Posted 12 December 2012 - 09:32 PM

QUOTE (giggleandhoot @ 11/12/2012, 12:28 PM) <{POST_SNAPBACK}>
You could always see a broker, that way you have more markets to access?

I wouldn't bother.  We used a broker when we moved interstate and they couldn't get a better deal or a company that would agree to cover us when our settlement date fell during a cyclone watch.  We're with AAMI because they would cover us at the time.  Back then they didn't do total rebuild.

0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users


Why we tend to hold our babies on our left side

On which side of your body do you carry or cradle your baby? If you answered "left" then you're not alone.

Taking fish oil in pregnancy may prevent childhood asthma

Women who took omega-3 fatty acid supplements (fish oil supplements) in pregnancy reduced the risk of their children developing asthma by almost one third.

Mum, dad and son all share a birthday

Luke and Hillary Gardner never have a problem remembering each other's birthday.

Mum shares the bittersweet truth about pregnancy after miscarriage

A mother's candid and heartfelt reflections about pregnancy after miscarriage are providing comfort to other women.

16 simple ways to make your baby smarter

What's the best way to mentally stimulate your baby? It doesn't take a genius - just a loving, involved parent.

Your blood pressure could predict baby's sex even before conception

The average blood pressure of mother could suggest a baby's sex before it even exists, a study has found.

The breastfeeding photo that says it all

Ashley Rockill was lucky enough to have her birth photographer on hand to capture a precious moment.

13 pregnancy superstitions from across the globe

In honour of Black Friday, let's explore 13 of the strangest pregnancy superstitions from across the globe.

I'm a stay-at-home mum, and I'm sending my son to daycare

When you become a mum you give birth to a beautiful baby, but you also give birth to guilt.

Mum gives birth to 'Incredible Hulk' 6.4kg baby

An American mother was shocked when she gave to a 6.4kg (14lb 1oz) baby last month.

Mum demands $530 for daughter's shoes after playdate

A mum has made a pretty bold move by demanding $532 for a pair of her daughter's shoes that were damaged at another family's house. 

A toddler's guide to helping around the house

If a toddler was to write a guide to 'help' you with the household chores, it would go something like this.

The breast pump you can use on the go

The game-changing breast pump promises to make life easier all round.

'Mum, don't be mad but I've just had a baby'

A teen mum has shared her birth story – and her shock at not knowing she was pregnant until her baby's head emerged.

No, Senator, childcare workers don't just wipe noses and stop fights

The only thing childcare workers spend their time doing is "wiping noses and stopping the kids from killing each other"? Not quite.

'I wanted to be the birth mum so much'

When people say "aren't you lucky that there are two of you, that you can switch?" I give them a tight smile.

6 myths about breastfeeding toddlers

Although breastfeeding a toddler isn't for everybody, if you choose to nurse beyond babyhood you can expect some strong reactions.


Top 5 Articles


From our network

Your child's fine motor skills: what you should know

There is less of a focus on fine motor skills, but they're just as important as others. (SPONSORED)

5 ways music helps your toddler's development

There are at least five other compelling reasons to get musical around your toddler. (SPONSORED)


Baby Names

Unusual Celeb Baby Names

Click through the gallery to read the details and see some of the most memorable monikers in show biz families.

Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.