Our specialties are in procurement of Commercial Loans, Residential and Commercial Construction Loans, Equipment Finance and Home Loans for owner Occupation and Investments
YBL Financial service is accredited with various major trading banks through aggregator, Connective and has access to a number of private lenders.
We Are Specialises
To help in complex returns including rental properties, investment trusts, share & management fund investments, and capital gains issues.
Our specialties are in procurement of Commercial Loans, Residential and Commercial Construction Loans, Equipment Finance and Home Loans for owner Occupation and Investments
YBL Financial service is accredited with various major trading banks through aggregator, Connective and has access to a number of private lenders.
We Are Specialises
To help in complex returns including rental properties, investment trusts, share & management fund investments, and capital gains issues.
“Residential property worth up to $63 billion is at risk (from climate change) – and we believe this is likely to be an underestimate.”
The Climate Institute, 2016
9 %
Approximately 9% of homeowners don’t have buildings or contents insurance.
(Dr Richard Tooth, ‘Australian Household Insurance-Understanding and Affordability’ – February 2012)
$ 1 b
The estimated property loss from 140,000 claims across five catastrophic events in 2015.
(Insurance Council of Australia, 2016)
1/30
Approximately 1 in 30 homes are burgled in Australia each year.
(Australian Institute of Criminology, 2013)
Home insurance can provide you with extensive protection if your home suffers loss or damage with a number of additional benefits included automatically. You have a choice of options, with different levels of cover and inclusions available.
A safeguard of up to 30% extra of your total sum insured, so you can feel confident you won’t be caught short if you have to rebuild (does not apply to base listed events policy).
Cover for accidental breakages, damage caused by falling trees during a storm or the impact of a car.
Automatic cover for flood and cover for fire or explosion.
Automatic inflation adjustment to your buildings and contents sum insured.
Cover for earthquake, tsunami, lightning strikes, storm, rainwater, hail and wind and water damage from certain leakages.
An extra 20% of your total sum insured to cover accommodation costs, if you need to move out while your home is being repaired or rebuilt.
Cover for burglary or theft, caused by a forced break-in and vandalism or malicious damage.
Environmental upgrade cover – up to $5,000, and extra costs of rebuilding to meet statutory requirements – up to $25,000.
Liability cover of up to $30 million for injury or loss of life to a third party, or loss of a third party’s property on a building you occupy or own.
Catastrophe cover up to an additional 30% of the building sum insured, for declared natural disasters.
Each policy is different, but generally you won’t be covered:
There are other exclusions which your Steadfast insurance broker can outline for you.
In addition, there is a deductible/excess.
