u/Far-Injury-9813

When the property was purchased a few years ago insurance was opened with the mortgage provider (bank) and sum insured was 318,000.

Renewal document now states sum insured is 449,000. Underwritten by iag.

Online quote from another insurance company estimated sum insured at 467,000 but quoted premium is significantly cheaper (nearly half the premium being paid to the current insurance provider)
When I went to the Cotality / corelogic sum insured website myself the sum insured was estimated at 328,000.

> Is it normal to see such a significant difference in quotes?

> Why is the sum insured estimated by the insurance companies so much higher than when I go to he cotality / corelogic website myself I thought that's where they got the data from

I live in a 90's Weatherboard house

Single glaze aluminum windows

Nothing but insulfoil in walls

No hrv

Ceiling and underfloor has been insulated, ceiling is bats over Rockwell and underfloor is stapled polyester mammoth.

Have tried the plastic you tape over the windows Maybe helps a little, looks terrible, but condensation also forms on plastic as in winter it is 0 or below outside overnight.

What is best bang for $?

I could get better thermal backed curtains but condensation will damage them?

Any experience with the insulation they drill a hole and blow into the wall?

Double glazing is expensive for 2-3 bedroom house.

Any other options?