Insurance

Make sure you're covered for things like fire, flood and theft

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Whether it's about protecting an asset or a loved one, we'll get you covered

At Picker Financial Solutions, we understand that growing your wealth through property investment is a significant step. To ensure that your investment is secure, choosing the right insurance cover is essential. We offer a range of insurance options tailored to protect your home, rental properties, and valuable items. Whether it's Home Buildings & Contents insurance, Landlord Insurance, or Renter's Contents insurance, we've got you covered for a range of incidents.

Home Buildings & Contents insurance is crucial for homeowners who want to protect their homes from unforeseen events such as fire, storms, and vandalism. This policy ensures that you are covered for a range of incidents that could potentially cause significant damage to your property. Building Insurance specifically focuses on protecting the structure of your home, including garages, fences, and sheds. Accidental Damage cover can be included to safeguard against unintentional harm to your property, such as a broken window or a damaged wall. This type of insurance provides peace of mind, knowing that you can make a claim online or over the phone if something goes wrong.

For those who own rental properties, Landlord Insurance is designed to protect your rental property from various risks. This includes rent default, where tenants fail to pay their rent, and damage caused by tenants or their guests. Additionally, it covers incidents like theft and vandalism, ensuring that your investment remains secure. Policies for short-term or ongoing rentals, including holiday rentals, are available to suit different needs. This flexibility allows property owners to find the right level of cover without overpaying. With Landlord Insurance, you can protect your rental property and maintain its value over time.

Renter's Contents insurance is ideal for tenants who want to protect their personal belongings against theft, fire, and accidental damage. This policy includes Single Item Insurance for valuable items such as laptops, tablets, and TVs. Accidents happen, and sometimes you might leave a window or door unlocked in your home. Renter's Contents insurance ensures that you are not left out-of-pocket if something goes wrong. You can choose to pay for insurance monthly or annually, making it easier to manage your budget while safeguarding your possessions.

If you own valuable items that you carry with you frequently, Single Item Insurance is an excellent option. This cover allows you to insure specific high-value items separately from your general contents policy. Whether it's a laptop, tablet, or TV, you can ensure these items are protected against loss or damage anywhere in Australia. This specialised insurance provides an extra layer of security for your most treasured possessions.

At Picker Financial Solutions, we help you compare insurance policies to find the best options for your specific needs. Our team is dedicated to providing tailored advice to ensure that you are comprehensively covered against all potential risks. We aim to make the process of selecting and managing your insurance as straightforward as possible.

Securing the right insurance is a critical step in protecting your investment and peace of mind. With Picker Financial Solutions, you can rest assured that your home and valuable possessions are covered for a range of incidents. Contact us today to discuss your insurance needs and find the perfect policy to safeguard your assets.

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SS

Sarah Stokes

Steve from PFS is a delight to work with and makes things easy to understand.

NL

Nathan Lomas

Don't even think about using another broker. The Picker team are the GOATS!

CB

Chad Barling

Been great help, quick and easy process in buying my first investment property

Frequently Asked Questions

How much can you afford?

The first thing we will do is work out your borrowing potential. You may have a dream home in mind but first you need to know if you can afford it. There are many factors that will influence your decision around what to buy and where – proximity to work and family and your stage of life are just a few – but the single biggest decider is nearly always what you can afford. It’s really a case of looking at the big picture and working your way back from there. Consider your household income and what you realistically can afford in loan repayments, taking into account all of your expenses (even coffees and lunches). As a guide a mortgage calculator can be a great place to start, but it won’t take into account all of your personal circumstances or eligibility for a loan. Talking to us will give you a much more accurate idea of what you can afford. We can look to obtain pre approval from a lender so you can put an offer on a home when you find the one you like. Of course, even with a pre approval a subject to finance clause is an important protection.

Why not go straight to a bank?

Of course you can go to a bank, but this can be trickier than it sounds. Firstly, which one do you choose? Which of their products is right for you? And what about other lenders, building societies and credit unions? Australia is indeed the lucky country. We are blessed for choice when it comes to the amount of competition that exists when it comes to the mortgage market. With so many lenders, and so many products under each of their brands, it’s important you make the most of this regarding who and what you choose when it comes to your home loan. There are a lot of options out there and, with regularly moving interest rates and new products, it’s an ever-changing market. And let’s not forget that if you’re a first homebuyer, you’re probably very new to this. That’s why a broker makes sense. We do this everyday. We know the lenders, their products and policies and we keep up-to-date with changes. We help choose what’s right for you. Banks enjoy working with brokers, as we do a lot of the banks’ work for them and making their jobs much easier and may help speed up the application process and get you the top-notch customer service you deserve. In the simplest terms, having a broker in your corner makes finding the right loan easier and can save you time and, hopefully, money.

Do you know how well your current loan stacks up?

Things change, and chances are since you got your home loan interest rates may have moved, and life has too. Has the official cash rate changed since your current loan settled? Has the rate your lender is charging you changed? What about the fees and charges? Chances are the market has changed too. New products designed to attract borrowers are always being introduced, and lending appetites are an ever moving feast. Let’s not forget that things have probably changed in your life too since you took out the mortgage. Your income may have changed, and your expenses probably have too - your financial goals could also be different. Even though most loans are around 30 years in length, you may be surprised to hear that Australians often change their home loan every 4-5 years as they refinance. Refinancing is a chance to look at what’s out there and to check to see whether your current loan is still the right one for you. If it’s not, it may be time to refinance. If you are looking to switch, this guide contains some of the key things you may want to consider.

Why do people invest in property?

Over the last few decades, the values of some properties have often risen more than the rate of inflation. Some say property ownership is a national obsession, with affordability issues, house prices, and interest rate movements constantly in the news. Apart from a common general understanding of the market, there are other reasons people like to invest in property. Some common ones being the potential for capital growth (how much the property rises in value over time), return from rent, and tax benefits. You’ll find more about these over the next few pages. Another plus is you don’t need to be a long time investor with lots of funds on hand to start investing. If you already own a home that’s increased in value, you can potentially unlock this equity to help purchase another property. Or, if you’ve yet to buy your own home you can use the rent to help pay the mortgage on an investment property and get a start in the market.

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