People urged to check home insurance policies

Consumer Affairs Minister Yvonne Henderson has urged people to check the fine print in their home insurance policies.

Mrs Henderson said she was extremely concerned to learn of the experience of a Rockingham home-owner whose insurance claim for water damage as a result of February's downpours was knocked back by the insurance company.

The company had said the policy did not cover rain or storm impacts where roofs, doors or windows had not been damaged.

"Insurance policies invariably can be the ultimate artform when it comes to the fine print," Mrs Henderson said.

"Policy-holders are strongly advised to read the documents carefully and to seek clarification from their insurance company or agent on any matter that is not clearly understood."

Mrs Henderson said the Consumer Affairs' April Price Check would focus on house and contents insurance.

"As well as the usual price comparisons, the survey will compare provisions covering rain and water damage," she said.

"The Consumer Awareness Week later this month has a major emphasis on contracts which include insurance policies.

"The State Government places a high priority on consumers' rights and the April Price-Check and the Consumer Awareness Week are integral ports of ensuring consumers are aware of the benefits and pitfalls of home and contents insurance."

Mrs Henderson said policy-holders were entitled to copies of the documents.  Often, people merely received a receipt when they paid their premiums and not a copy of the policy.

"Policy-holders who do not have copies of their policies, should ask for one from their company or agent," she said.