Home Insurance That Pays Properly When You Claim
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Premium insurers. Expert advice. Claims negotiated for you.
Australian-based insurance brokers
Access to multiple premium insurers
Claims support from start to finish
Are All Home Insurance Policies Really The Same?
Many homeowners believe that if the sum insured and excess match, the cover must be identical.
It isn’t.
Two policies with the same premium can deliver very different results at claim time. The difference is hidden in policy limits, exclusions, and conditions most people never read.
That’s where claims are reduced or denied.
Insurance Is Only Tested When You Make a Claim
Saving a few hundred dollars on premium means nothing if your claim is reduced by thousands.
| Direct insurers often rely on | Broker-placed policies focus on |
|---|---|
|
Tight sub-limits |
Stronger wordings |
|
Broad exclusions |
Higher or fewer limits |
|
Automated claim handling |
Claims negotiated by an expert on your side |
Is Broker Home Insurance More Expensive?
Sometimes slightly. Often not.
What matters is value — not just price. Right now, we have access to a highly competitive insurer offering strong home and contents cover at sharp pricing. That means many clients are securing better protection without paying significantly more.
Pricing changes over time. Cover quality does not.
Our role is to show you both — clearly — so you can make an informed decision.
Direct Insurance vs Broker-Placed Cover
| Feature | Direct Online Insurers | CIB Broker Cover |
|---|---|---|
|
Policy wordings |
Standardised |
Carefully selected |
|
Sub-limits |
Often restrictive |
Higher or fewer |
|
Exclusions |
Broader |
More precise |
|
Claims handling |
Insurer-controlled |
Broker-supported |
|
Claim negotiation |
No |
Yes |
|
Focus |
Price first |
Claim outcome first |
Not all policies are the same — even when they look similar.
What a Broker Actually Does for You
We don’t just arrange a policy.
We:
- Identify hidden coverage gaps before they cost you
- Compare multiple insurers, not just one option
- Explain trade-offs between price and protection
- Support and negotiate claims to maximise entitlements
If something goes wrong, you are not dealing with an insurer alone.
Why Broker Clients Get Better Claim Results
- Fewer payout reductions due to hidden limits
- Better coverage for common loss events
- Professional advocacy during claims
Insurance is not about how easy it is to buy.
It’s about what happens when something goes wrong.
5-star reviews
What Our Clients Say After a Claim
Charlie Lamba
Great experience. Highly recommend.
Debbie has been an outstanding insurance broker. She helped me a lot with all my requirements and made the whole process very easy. Her replies were always prompt, clear, and professional, and she took the time to explain everything properly. I really appreciate her support and would highly recommend Debbie to anyone looking for reliable and responsive insurance advice.
Shaunee Girven
I only wish I had contacted them sooner!
I was referred to Consolidated Insurance Brokers, specifically Tracey Eaton, by a friend and I only wish I had contacted her sooner. I had previously been dealing with another insurance broker who was so unresponsive that nearly a month passed without securing insurance. Tracey resolved everything in a single 30min phone call. She was an absolute pleasure to speak with - warm, professional, and genuinely invested in her clients. Her attitude and efficiency were outstanding. I will absolutely be referring her going forward, she is truly amazing and I cannot wait to work with her further!
W James
Exactly the help I needed
When it comes to insurance, I always end up feeling frustrated. Home insurance in particular gives me a real headache—what type do I need? Owner-occupied, investment, contents… should I have contents for both or just one? Technology makes it easy to click through everything on your phone, but when you actually need a real person to guide you, there’s no one there. I recently realised I was insured for the wrong things—or not covered at all. So I called Tracey Friedland, whom I’ve worked with for a long time for business insurance and renewals. I asked, a bit humbled, “Do you only help with business insurance, or can you help with personal insurance too?” Tracey’s warm and confident reply was, “Of course, we can help!” What a relief. Within half a day and just a couple of phone calls, she had everything sorted—building insurance, contents, landlord cover—accurate, complete, and finally done properly. All my concerns were gone. What else can I say about Tracey Friedland? An absolutely amazing lady.
5-star reviews
What Our Clients Say After a Claim
Charlie Lamba
Great experience. Highly recommend.
Debbie has been an outstanding insurance broker. She helped me a lot with all my requirements and made the whole process very easy. Her replies were always prompt, clear, and professional, and she took the time to explain everything properly. I really appreciate her support and would highly recommend Debbie to anyone looking for reliable and responsive insurance advice.
I only wish I had contacted them sooner!
I was referred to Consolidated Insurance Brokers, specifically Tracey Eaton, by a friend and I only wish I had contacted her sooner. I had previously been dealing with another insurance broker who was so unresponsive that nearly a month passed without securing insurance. Tracey resolved everything in a single 30min phone call. She was an absolute pleasure to speak with - warm, professional, and genuinely invested in her clients. Her attitude and efficiency were outstanding. I will absolutely be referring her going forward, she is truly amazing and I cannot wait to work with her further!
Shaunee Girven
W James
Exactly the help I needed
When it comes to insurance, I always end up feeling frustrated. Home insurance in particular gives me a real headache—what type do I need? Owner-occupied, investment, contents… should I have contents for both or just one? Technology makes it easy to click through everything on your phone, but when you actually need a real person to guide you, there’s no one there. I recently realised I was insured for the wrong things—or not covered at all. So I called Tracey Friedland, whom I’ve worked with for a long time for business insurance and renewals. I asked, a bit humbled, “Do you only help with business insurance, or can you help with personal insurance too?” Tracey’s warm and confident reply was, “Of course, we can help!” What a relief. Within half a day and just a couple of phone calls, she had everything sorted—building insurance, contents, landlord cover—accurate, complete, and finally done properly. All my concerns were gone. What else can I say about Tracey Friedland? An absolutely amazing lady.
Who This Cover Is Right For
- Care about claim outcomes, not just premium
- Want clarity around what is and isn’t covered
- Value expert advice and claim support
If you are only looking for the cheapest possible policy and are comfortable managing claims alone, broker insurance may not be the right fit.