🔒 Insurance Hub
Your home is protected.
We keep the proof.
HomeDNA stores all your insurance policies, claim history, and risk documentation in one place. When you need to make a claim, everything is ready.
2
Active Policies
$1.85M
Total Coverage
3
Claims History
47
Documents Stored
Active Policies
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NRMA Home & Contents
Home & Contents Insurance · Policy #HCI-2024-88441
Annual Premium
$2,840 / year
Renewal Date
March 15, 2027
Building Sum Insured
$1,400,000
Contents Sum Insured
$150,000
Coverage Includes
✓ Fire & Storm
✓ Flood
✓ Theft & Burglary
✓ Accidental Damage
✓ Liability $20M
✓ Temporary Accommodation
✓ Solar Panels
✕ Earthquake
✕ Pest Damage
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RAC Landlord Insurance
Landlord Insurance · Policy #LI-2025-33219
Annual Premium
$1,240 / year
Renewal Date
June 1, 2027
Building Sum Insured
$300,000
Loss of Rent
Up to $52,000
Claims History
Storm damage — fence and pergola
$4,200
Paid
Burst pipe — laundry wall damage
$8,750
Paid
Break-in — back door and laptop stolen
$2,100
Paid
AI Risk Assessment
HomeDNA analyses your home’s data to identify insurance risks and coverage gaps.
Storm & Weather
Medium Risk
Perth averages 3–4 significant storm events per year. Your Colorbond roof is 7 years old. Inspection recommended before winter.
Fire Risk
Low Risk
4 interconnected smoke alarms installed. Switchboard inspected August 2025. No electrical faults recorded. Fire risk is low.
Water Damage
Low Risk
Hot water system recently serviced. No plumbing issues recorded. Tap washer replacement overdue — minor risk.
Theft & Security
Low Risk
Subiaco suburb has below-average break-in rates. Alarm system installed. Security doors on all entry points.
Electrical
Low Risk
Switchboard inspected and RCD tested August 2025. All circuits compliant. No electrical issues recorded.
Subsidence
Low Risk
Concrete slab foundation. No structural movement recorded. Subiaco soil conditions are stable. Risk is low.
Insurance Readiness Checklist
Complete these items to ensure your home is fully protected and claims are processed faster.
Building plans uploaded to vault
Architectural drawings and floor plans stored. Essential for rebuilding cost calculations.
Contents inventory documented
Major appliances, electronics, and valuables photographed and recorded.
Smoke alarms installed and compliant
4 interconnected alarms installed February 2023. Compliance certificate stored.
Smoke alarm batteries replaced
Battery replacement is overdue since February 2026. This may affect insurance compliance.
Electrical certificate of compliance stored
Certificate from Bright Spark Electrical stored in vault. Issued April 2024.
Roof inspection report stored
Last inspection July 2025. Upload the inspection report to your vault for insurance records.
Policy renewal reminders set
Reminders set 60 days before each policy renewal date.
Sum insured reviewed this year
Building costs have increased 12% in Perth since 2024. Review your sum insured to avoid underinsurance.
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AI Insurance Insight
Your building sum insured is $1,400,000. Based on current Perth construction costs of approximately $3,200/m² and your home’s 312m² footprint, the estimated rebuild cost is $998,400. You may be over-insured on building but under-insured on contents. I recommend reviewing your contents sum insured — $150,000 may not cover all appliances and valuables.