Polly Sea is a broker in Brisbane. One of her landlord clients owns a solid brick home perched on high ground. It’s never seen floodwater, never had a claim, and is immaculately maintained. But every time she tries to quote, the same answer comes back: Declined.
Why? Because the postcode is flagged as flood-prone. Never mind the elevation. Never mind the actual location. It’s a textbook case of the postcode punishing the property.
That’s where Hutch Landlord Insurance flips the script.
Why postcode quoting misses the mark
In traditional quoting systems, postcodes are used as a blunt instrument to determine risk. It’s efficient, but often unfair. Brokers know that one side of the suburb can be totally different to the other. Elevation, construction quality, and drainage all matter. But postcode-based quoting doesn’t care. If the risk is flagged, the whole zone is treated the same.
That means brokers like Polly end up wasting time on quotes they can’t place. And landlords lose confidence in the process.
How Hutch quotes smarter
We built our residential landlord insurance to reflect how brokers really work. Our quoting engine uses precise address-level data, so you get more specific risk assessments. Not postcode stereotypes.
It’s the same tech we use on Hutch Strata Insurance, and brokers love it. No more painting with a broad brush. No more assumptions. Just faster quotes that reflect the real situation.
What does this mean for you?
- Properties that were previously “too hard” are now in play
- You’ll spend less time waiting on referrals
Built for brokers
Our underwriting question set is built with brokers in mind. With 90% auto-acceptance, you can quote and move on, without getting stuck in the usual back-and-forth. When a referral is needed, our underwriters respond quickly.
Plus, every policy is backed by Lloyd's, with claims handled in-house by our Hutch team in Sydney. That means no handballing when things go wrong. Just smart underwriting, clear service, and real answers when your clients need them most.
In short, it’s cover that cuts through
- Address-level underwriting for smarter risk pricing
- 90% auto-acceptance = fewer referrals
- Supported by Lloyd’s
- Claims handled in-house by Hutch
- Available via SCTP and Ebix Sunrise Exchange
Make postcode pain a thing of the past
If you’ve had quotes knocked back for flood, fire, or construction risk that didn’t reflect the real situation, it’s time to try something different.
Next steps for brokers:
Submit a Hutch Landlord Insurance quote via SCTP or Ebix Sunrise Change (code HUTHLL)
Kim Beavis : 11/06/2025 1:31:30 PM
