If your renewal made you wince, you're not alone. Here's what's going on, in plain English.
What's behind it
Building and repair costs have climbed, so rebuilding your house costs more.
Reinsurers, the insurers' insurers, are charging more after big weather years.
And pricing is sharper now: your address and its natural hazard risk matter more than ever.
What you can do
Check your sum insuredIf it hasn't moved in a few years, it may be out of date.
Look at your excessA higher excess can bring your premium down.
Ask about savingsAlarms, dashcams and low kilometres can all help.
Get someone to shop the marketThat's where we come in.