Home insurance cost IP

HI Everyone.

I have my insurance through NRMA and over the past 5 years im sure its creeping up. I have only ever made one claim which was for an electrical problem on a pump for a septic system. I think it cost $3500 for the pump they covered it but I had to pay $500 excess which also ruined my no claim. We lease the house and over the past 5 going on 6 years have never made any other claim. Property is valued at $450,000 however I only think I have the building covered for $350,000 and im paying $147.00 per month calculate it by 12 months and thats $1800 a year :eek:( Oh and we also had third part property on our car through Nrma which aslo allowed us a further discount on our house insurance. Does this sound decent or are they ripping us.

1. Am I overpaying
2. Who should I turn to for a great deal but also a great no hassle reputation.

Thanks
 
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