> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here:⁠https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled⁠

Insurance might feel like something you hope you’ll never need until a storm rips off your roof, a fire hits, or a claim gets denied. In this episode of the Property and Lending Podcast, host Lee Rosenfeld sits down with Lisa Hiscock of Hakea Insurance Broker to unpack the real risks property investors, landlords, business owners and homeowners face. Lisa shares her journey from Lloyd’s of London, where she worked on war and terrorism risks and everything from the Titanic to celebrity policies, through to specialising in commercial and investment property insurance in Australia.

They dig into why wear-and-tear and “not built to code” exclusions trip up so many claims, the hidden danger of underinsurance as rebuild costs, materials and labour continue to skyrocket, and why you must regularly update building sums insured, contents (including jewellery and art) and loss-of-rent cover. Lisa explains how a good broker flags risks early, aligns renewal dates across multiple policies, handles claims on your behalf and can access wider markets, including Lloyd’s when Australian insurers won’t touch certain risks. She also offers practical advice on using building-value calculators, getting regular valuations, choosing higher excesses, adding flood or cyclone protections and considering emerging covers like cyber insurance.

The conversation also looks at why premiums are rising, driven by inflation and the increasing frequency of severe weather events, and why the right insurance (and the right broker) protects far more than just a building. Whether you own a family home, residential investments, commercial property or run a business, this episode shows why proper cover matters before the next claim hits.

Guest: Lisa Hiscock – Hakea Insurance Broker https://hakeainsurancebrokers.com/

Host: Lee Rosenfeld – Innovative Home Loans. ⁠⁠https://innovativehomeloans.com.au/our-team/lee-⁠⁠rosenfeld/⁠⁠

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.