As a North Queensland Broker, NQIB know the risks that are important in our clients choice of domestic insurance products.  Whether it be for their home dwelling, contents and personal valuables of for an investment property.  As a region, our weather is an important factor in the choice of these products.  We are locally owned and have branches in Townsville, Ingham and Ayr.

NQIB can advise on the covers which best suit our client's needs and match these with quality insurance policies, underwritten by well established Australian Authorised Insurance Companies.  These policies give additional benefits and covers that are not available with policies purchased direct with Insurers.

Home & Contents Insurance

NQIB can offer Domestic Insurance policies that can give you peace of mind providing cover for a range of insured events to protect your home, contents and personal effects.

The cover provided by these policies can include:

• Minimum $20 million legal liability cover
  
• New for old replacement
• Optional worldwide cover for loss or damage to valuables

Loss or damage caused by:

• Storm, Cyclone and Low Pressure Systems including damage to external blinds, gates, fences and landscaping
  
• Fire, explosion, earthquake
• Lightning including power surge
• Malicious acts, theft or attempted theft
• Impact by a vehicle, falling trees or branches
• Escaped liquid (eg. from washing machines, toilets or hot water systems)
• Breakage of glass
• Fusion of an electric motor
• Flood

For clients wanting a broader level of protection we can extend your policy to provide cover for accidental damage.  Automatic cover is provided for your contents away from your home, anywhere in the world.

Landlords Insurance

NQIB have access to a Landlords cover specifically underwritten and agreed for use by Queensland Brokers such as NQIB.  We can offer not only cover on the building and contents, including damage by tenants and liability for you as a property owner but also the following optional covers:

• Loss of Rent as a result of damage by an insured event
  
• Rent Default by tenants
  
• Theft by tenants
  

It is critical that your sum insured is sufficient and reflects the Replacement Value of your property.  Access the calculators created by the Insurance Council of Australia (ICA) on their new Understand Insurance web site to assist you in determining the level of cover required.

Motor Vehicle Insurance

Whether it is for your first new car or your much loved pride and joy, there is much to think about when it comes to Motor Vehicle Insurance.  Depending on your age, driving history and type of vehicle, policy conditions and premiums can differ widely from insurer to insurer.

At NQIB we have a dedicated team of Motor Vehicle Insurance Champions that will do all the leg work in shopping around and comparing all the options we have available for our clients.

We have been able to negotiate additional automatic policy benefits for our clients that are not readily available with the direct insurers.  Our team can ensure you get all the discount available to you - so important with the amount of stress on home budgets today!

Calculators - Building & Contents

It is critical that your sum insured is sufficient and reflects the Replacement Value of your property.  Access the calculators created by the Insurance Council of Australia (ICA) on their new Understand Insurance web site to assist you in determining the level of cover required.

• Building Sum Insured Calculator - Click here
  
• Contents Sum Insured Calculator - Click here
• Household Inventory Checklist - Click here