Lifestyle Risk Insurance
Your home, vehicles, recreational assets and lifestyle are all important parts of the life you have built. Whether you are a homeowner, renter, landlord, boating enthusiast, caravan traveller, vehicle owner or rural property owner, we take the time to understand what matters most to you and the risks you need to protect.
Integra Insurance Brokers gives you peace of mind by helping protect the things that matter most - your home, belongings, vehicles, recreational assets and lifestyle. No matter what is around the corner, our team works with you to arrange insurance solutions that provide confidence, support and protection when you need it most.
Home Insurance
Your home is more than a property, it is where life happens, where memories are made and where the things you value most are kept. Home Insurance is designed to help protect your house, contents and financial security.
Depending on the level of cover you choose, our home insurance broker team can help protect against events such as fire, storm damage, theft, vandalism, accidental damage and water damage. It can cover the cost of repairing or rebuilding your home, replacing household contents and, in some cases, temporary accommodation if your home becomes unliveable following an insured event.
If you rent your home, the building itself is generally the responsibility of the property owner, but your furniture, electronics, clothing and personal belongings still need protection. Contents Only Insurance is designed for renters and can help cover the cost of replacing or repairing your belongings if they are damaged, destroyed or stolen following an insured event.
Landlord Insurance
Landlord Insurance is essential if you hold investment properties. An investment property can provide valuable income and long term financial security, but renting it out also comes with risks. Damage to the property, rent default or tenant related issues can create unexpected costs and disruption.
Landlord Insurance is designed to help protect residential investment properties and the income they generate. Depending on the policy, cover may include loss of rent following an insured event, tenant damage, theft, fire, storm damage, water damage, legal liability and the cost of repairing or replacing fixtures, fittings and landlord owned contents.
Boat Insurance
Whether you use your boat for weekend fishing trips, family days on the water or longer coastal adventures, it is a valuable asset that deserves the right protection.
Depending on the policy, cover may include accidental damage, theft, fire, storm damage, vandalism, salvage costs, towing assistance and third-party liability. It can also extend to items such as trailers, motors, navigation equipment, fishing gear and other accessories, depending on the level of cover selected.
Motor Insurance
Motor Insurance is designed to help protect you from the financial impact of accidents, theft, damage and liability claims involving your vehicle.
Depending on the level of cover you choose, Motor Insurance may include comprehensive cover for accidental loss or damage to your vehicle, as well as fire, theft, storm damage, towing, windscreen repairs and hire-car options. Third Party Property Damage cover can help protect you if your vehicle causes damage to someone else’s property, while Third Party Fire and Theft cover offers a level of protection between the two.
Caravan Insurance
Caravan Insurance is designed to help protect your caravan, belongings and investment, whether it is stored at home, travelling on the road or set up at your favourite destination.
Depending on the policy, cover may include accidental damage, theft, fire, storm damage, flood, vandalism, emergency repairs, towing costs and protection for contents and accessories inside your caravan. Cover can also be tailored for different caravan types, including touring caravans, camper trailers, pop-tops and recreational vehicles.
Farm Insurance (Working or Lifestyle)
Farm Insurance is designed to provide tailored protection for rural properties and the many activities that take place on them. Depending on your needs, cover may include your home and contents, farm buildings, sheds, machinery, vehicles, livestock, crops, equipment, fencing, public liability and loss or damage caused by events such as fire, storm, theft or accidents.
For working farms, the right farm insurance cover can help protect the assets and operations that keep your business running, including agricultural equipment, stock, infrastructure and income generating activities. For hobby farms and lifestyle properties, farm insurance can be tailored to protect your home, rural improvements, recreational equipment and personal assets while accounting for the unique risks of living on acreage.
Chat With A Broker
We’re always looking out for your best interests. With our in-depth knowledge of Australian and international insurance markets, we provide valuable business insurance advice on identifying risks and exposures so you can rest assured that your future is protected.
Claims
With our dedicated in-house claims team, you’ll never be left waiting on hold or passed from person to person. Instead, you’ll speak directly with a real, trusted insurance advisor who knows you and understands your business. As experienced business insurance brokers, we take the stress out of dealing with insurers by managing all the back-and-forth on your behalf.
We’ll walk you through your policy in plain language, ensuring you understand exactly what’s covered and where you’re protected. When it comes time to make a claim, we make the process quick, smooth, and focused on your best interests - that’s the real value of working with professional business insurance brokers.
FAQs
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Accidental Damage policies may provide cover for certain portable items that are lost or damaged away from the home. However, some items may be subject to specified limits under the policy.
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The insurance policies offered through our insurers typically provide broader coverage and higher policy limits compared to many direct market alternatives. In addition, you benefit from the support of our dedicated claims team, who can assist with lodging and managing your claim from start to finish.
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Tenant neglect, poor hygiene and general cleanliness issues are generally excluded under insurance policies and cannot be insured against. However, your policy may provide cover where a tenant has caused malicious damage to your property.
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Damage to your vessel while moored is generally covered. Insurers will be asking questions about the mooring type and location, as some fixed moorings in specific areas can attract higher premiums.
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Water skiing can be covered as an optional extension; however, it must be disclosed to and agreed by the insurer before the policy is confirmed. Any injury or legal liability arising from water skiing will not be covered unless this activity is specifically included on your policy schedule.
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Rust, corrosion and gradual deterioration are generally excluded under insurance policies. As a result, damage caused by rust or corrosion would not typically be covered.
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Yes. Most insurers require vehicle accessories, modifications and upgrades to be disclosed and noted on your policy. This helps ensure your vehicle is adequately insured and that eligible items can be considered in the event of a claim.
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Farm insurance underwriters will consider a range of factors when determining the appropriate classification, including the nature of your farming activities, how the property is used and the annual turnover generated from those activities.
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Standard Farm Insurance policies will generally provide cover for damage caused by bushfire, subject to the terms and conditions of the policy. Properties located in areas with a higher bushfire risk may attract higher premiums and/or additional underwriting requirements.
Contact Us.
To get in contact with a specific Integra team member, head to our People page to locate the broker you’re looking for.