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Home And Contents Insurance

Home and contents insurance provides financial protection for your home and its contents.

What does it cover?

What you are covered for will vary between providers, however most policies should cover:

• Legal liability

• Fire

• Explosion

• Theft or attempted theft

• Malicious damage, vandalism, riot or civil commotion

• Accidental breakage of glass, ceramic and sanitary fixtures

• Lightening

• Earthquake

• Escape of liquid

• Impact

• Storm and rainwater damage

• Debris removal and extra costs of rebuilding

• Temporary accommodation

• Mortgage discharge

• Funeral expenses

• Replacement of locks

• Cover for open-air contents within address

• Contents while moving overseas

• Uninsured guests contents

• Unattached equipment

There are hundreds of policies on the market designed to suit every homeowners need, so research is key when it comes to choosing the right policy. Our Broker Partners are able to refer you to our reliable partners who can find a policy that provides coverage suitable to your situation.

Building Insurance

As one of the most important assets in your life, it is crucial you have adequate cover in place to protect your home against risks beyond your control.

Building insurance is designed to protect your residential home, this includes flats, units and townhouses and spans to protect other property structures such as:

• garages and carports

• sheds

• fences, gates and outdoor walls

• decks, patios, pergolas and verandahs

• outbuildings

• fixed swimming pools and spas

• garden borders and pathways

• driveways

• fixed or wired electrical appliances

• fixed outdoor items like solar panels and satellite dishes

Contents Insurance

Contents insurance provides financial protection for your valuables, regardless of whether you are a homeowner or renting. This cover provides peace of mind in knowing your valuables will be repaired or replaced in the event they are stolen or damaged due to fire, storm, theft or a range of other risks.

Items covered by content insurance can include:

• Carpets and curtains

• Furniture and furnishings

• Household goods and appliances

• Internal blinds and loose floor coverings

• Clothing and personal effects

• Swimming pools which are designed to be dismantled and moved

• Bicycles

• Sporting equipment

• Computers

• Tools

• Portable electrical equipment

• Jewellery

What you are covered for will vary between providers, however most policies should cover:

• Fire

• Storm, hail and lightning

• Theft

• Vandalism or malicious damage

• Riot

• Explosion

• Sudden impact

• Accidental glass breakage

• Accidental damage (sometimes available as an option)

• Flood (sometimes available as an option)

• Water from leaking pipes

• Earthquakes and meteorites

Further to this, contents insurance can offer greater additional benefits:

• Legal liability cover if you’re held responsible when someone else suffers an injury or property damage

• Replacement of locks and keys after theft

• Cover for credit card fraud resulting from the loss or theft of credit cards

• Cover for contents kept in the open air at your home

• Cover for contents belonging to guests

• Cover for contents temporarily removed from your insured address

• Food spoilage costs

• Emergency repairs to your building to prevent further damage to your contents

• Cover for damage caused by the burnout of electric motors

• Cover for portable valuables while they’re away from home