Insurance Checklist for New Homeowners

Buying a home changes your insurance needs. Here's what to review when you get the keys.

**Life insurance** — Covers your mortgage if the worst happens. **Trauma cover** — Lump sum if you're diagnosed with a serious illness. **Income protection** — Replaces income if you can't work. **Health insurance** — Faster access to private treatment.

Many people only review insurance at purchase time. We recommend an annual review — especially after major life events like having children or changing jobs.