Initio Blog

Stormy Weather

Once again wild weather is storming up and down the country. As the water damage claims start flooding into the initio team, it seems like a good time to give you some tips on managing storm damage. Secure your property Take care of yourself and your property to prevent further… Learn more

Congratulations!

Congratulations Frank Risk Management Last night our friends and colleagues at Frank Risk were recognised with the Australia New Zealand Institute of Insurance and Finance (ANZIIF) Small-Medium Broking Company of the Year Award. This is the second year in a row they have won the award. Frank Risk Management… Learn more

What is Landlord Insurance?

Landlord, or Rental Property Insurance is an insurance policy that specifically covers the property owner (Landlord) for their Rental Home and some of the risks associated with being a landlord. Owning and insuring a rental property is a bit different from owning and insuring your  own home. That’s why it’s… Learn more

Top 5 mistakes when insuring a home

When arranging home insurance customers will often email or phone for advice. We have complied the top 5 mistakes that we often hear. 1. Reducing the sum insured to save money 2. Not considering the correct sum insured 3. Not choosing the right excess 4. Choosing the cheapest /… Learn more

Calculating your Sum Insured

You are responsible for ensuring that your home is insured for the correct amount. That’s why initio thinks its important to make sure you understand what should be included in your sum insured. If you have built your home, you might be thinking, its easy I insure it for… Learn more

How does an excess work?

Insurance is full of jargon, and one piece of jargon that we use often is ‘excess’. Insurers assume that their clients know what an excess is and how it works. This article will give you a clearer understanding of excesses. What is an Excess? An excess is the contribution that you… Learn more

How to claim on your insurance

Have you ever wondered what you would do if you had a claim on your property? At initio we have compiled a step by step guide to help you navigate making a claim. Step 1. Secure your Property Take care of yourself and your property to prevent further loss… Learn more

Contents Cover Explained

When you insure your Holiday Home or Own Home with initio you have choices when it comes to your Contents Insurance. You can choose how much cover (your sum insured) and which type of cover – Replacement Value or Present Day Value. After reading this, you will understand the differences… Learn more

Top tips to protect your rental house from fire

With Winter well and truly upon us, the heaters have come out. Not surprisingly most residential house fires occur during winter. Kitchen fires make up about a quarter of all house fires – they commonly start from unattended cooking and can quickly spread. As a landlord there are steps you… Learn more