Recent years have shown us how vulnerable we are to severe storms and extreme weather events. As we approach the time of year where extreme weather events are more likely to occur, it's vital to take steps to safeguard your home and belongings.


1. Insurance Coverage:
A Safety Net in Severe Weather

No matter how well-prepared you are, severe weather can cause unexpected damage to your property. It's essential to remember that protection begins with being adequately insured. Homeowners should review and update their home and contents insurance policies to ensure they have sufficient coverage. If you rent, while you may not be able to insure the actual building you live in, you should consider how much it would cost to replace everything in your home if the worst was to happen. In the face of mounting risks, having adequate insurance coverage can provide financial security in times of crisis. Even though we hope for the best, preparing for the worst is a responsible choice.


2. Bracing for Intense Storms:
Strengthening Your Defences

We have seen a noticeable increase in the frequency and intensity of storms across Australia in recent years. This shift underscores the importance of
not becoming complacent even in areas that have traditionally enjoyed favourable weather. As storm activity becomes more forceful and less predictable, it's imperative for homeowners to adopt a proactive approach to shielding their properties. Actions as simple as securing loose items in your yard and fortifying weak points in your home's structure can have a substantial impact when confronting the challenges of extreme weather.


3. Bushfires: Understanding Your Risk Zone

The threat of bushfires is an unfortunate reality for many Australians. As part of your storm and events season preparations, it's vital to understand your risk zone regarding bushfires. Familiarise yourself with the local fire danger ratings and emergency evacuation plans. If you're planning to be away during fireprone periods, make sure you have a comprehensive plan in place for the safety of your property, pets, and valuables.


4. Prepare for the Unthinkable

While we hope for the best, it's crucial to prepare for the unthinkable. Create an emergency plan that includes evacuation routes, emergency contacts, and a designated meeting point for your family. Pack an emergency kit with essentials like water, non-perishable food, first aid supplies, flashlights, and important documents. Review your plan with your family so that everyone knows what to do in case of an emergency.


Helping to safeguard your home and belongings can be paramount. Take a moment to review your current insurance coverage and ensure it aligns with the present value of your property and possessions. Don't hesitate to reach out to us for a quote that helps give you peace of mind during storm and events season

By taking these steps, you can help to protect your assets. View Home and Contents Insurance Cover at

This blog post is for general information purposes only and is not intended as financial or professional advice. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product or other professional advice. You should seek your own independent financial, legal and taxation advice before making any decision about any action in relation to the material in this article. ​

Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090, AFSL 234 536 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations from