Across Australia, more properties are now being classified as flood-prone, high-risk, or hard-to-insure  — even in suburbs that have never flooded before .Insurers are tightening their underwriting, raising premiums, reducing coverage, and in many cases, declining flood-prone homes altogether . For homeowners in coastal, riverfront, low-lying and storm-affected regions , this has become one of the most frustrating challenges in the insurance market today. This can be especial

Owning fine art, antiques or rare collectibles is a genuine privilege — but protecting these high-value pieces requires far more than a standard home insurance policy.Across Australia’s prestige property markets, from Sydney to Melbourne , Perth to Brisbane , collectors are discovering that basic home cover is not enough  for irreplaceable assets. Whether you live in a luxury apartment, coastal estate, architectural home or a heritage property, your artwork, antiques and co