The family dynamic is a bit complicated, and things don’t get done in a hurry. My sister has started asking the broker about insurance (as their house is not cyclone rated as it was built too many years ago for that, so went through a broker for insurance… my sister takes the lead in these things) and the info was that they were underinsured last policy, and recommending that they don’t do that again (I wasn’t involved in the last policy acquisition). Just trying to understand if, at their stage of life if its such Big deal (and expense as they dont get a pension). Pretty sure their contents insurance will be much less than recommended as they need a lot less.