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At MHIA we want to help you to understand and navigate your home and contents insurance. That’s why we’ve compiled answers to some of the most common questions our customers ask our skilled service team. Whether you're wondering about solar panel coverage or how cladding types differ, we’ve got you covered.
The only accurate source of information on your MHIA home and contents coverage is your MHIA PDS. This document contains all the information related to your certificate of insurance, relevant excess amounts, what events you are covered for and how to start a claim on your home and contents. Our service and claims team are also available during business hours to discuss your coverage and any queries you might have. With 35 plus years of experience, we have an in-depth knowledge on all things manufactured home and are always happy to help.
A: In many cases, yes.
If your solar panels are attached to your home and are damaged by an insured event covered under your policy, they may be covered under your building insurance. However, not every type of damage is covered. Exclusions, conditions and limits apply, including for mechanical or electrical breakdown.
The best way to understand exactly what's covered is to check your MHIA PDS before making a claim or purchasing a policy.
A: There’s a lot and we’re here to help!
Cladding refers to exterior covering of your home’s walls. There are several main types. Here’s a quick guide:
Still not confident any of these fit the cladding type on your home? In our online quote form you can see example images of each of the above types and more too. This can help you visually see which type your home is comprised of when you start a quote.
A: It helps us keep your premiums more affordable.
MHIA specialises in insuring homes in land lease communities across Australia. As many of these communities are not located in flood-prone areas, we have chosen not to include flood cover in our policies.
By focusing on the risks most relevant to our customers, we're able to provide cover that is tailored to land lease living and competitively priced.
Flood is not covered under MHIA policies. To understand exactly what is and isn't covered, please refer to the Product Disclosure Statement (PDS) before purchasing or renewing your insurance.
A: We’ve got a calculator for that!
We can't tell you how much to insure your home and contents for, that is always your decision! Our website links to handy tools like Cotality Sum Sure and a Home Contents Calculator to help you get started. Rebuilding costs have increased in recent years and considering and assessing the cost to replace your home and contents is a worthwhile exercise to undertake when renewing your cover.
Here is a link to our calculator to get you started: https://mhia.com.au/calculator
A: Absolutely (and at no extra charge)
Direct debit is available for monthly instalments at no added cost. You can set this up when you take out a new policy, or if you're an existing customer at renewal, just update your payment method online or with our team. Prefer to pay annually? You can use credit card, BPAY, or online payment instead. Check your Certificate of Insurance for full payment options.
A: Because the cost to rebuild has increased
We adjust your sum insured at renewal to reflect rising building costs, inflation, and other factors. This ensures your coverage remains adequate and can support a claim should you need to make one. You’re always welcome to review and adjust your sum insured if needed.
Our wonderful service team talk to homeowners every day and we are firm believers that the only silly question is the one you don’t ask. Our team are always available during our operating hours on 1800 92 14 67 or you can also reach us via email at info@mhia.com.au.
