Even if you weren't in the path of a bushfire and you didn't suffer a storm with hail storm as big as softballs - your house and car insurance could be more expensive this year. Why? High risk zones are being reconsidered. To learn all about it Dr Liam Phelan, who has expertise in disaster insurance, from the University of Newcastle and Kia Handley asked Dr Ian Weir, Queensland University of Technology, if there's things we can do to our homes to limit the risk.