The insurance market is shifting and signs have started to point to a hardening market by year's end, with major Insurers already signalling rate increases. In this episode, Andy and Brett unpack what that means for property owners: why under-insurance risk doesn't disappear just because premiums are low, how construction costs are climbing again despite a slow housing market, and why waiting too long between Rebuild Valuations can leave clients exposed.

They also cover the labour and materials pressures reshaping build costs, from skilled trades moving to Australia to global material demand spikes. A practical, grounded conversation for anyone advising clients on insurance and rebuild risk right now.